State credit union · ASHLAND, Kentucky · NCUA charter #62026
Members Choice
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $422.1M
- Total assets
- 23,228
- Members
- 8.3%
- Net-worth ratio
Members Choice scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $422.1M; members 23,228; net-worth ratio 8.31%; health rank #3,031 of 4,374; healthier than 31st of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,031 of 4,374 health · 2025Q4Members Choice · health 78/100 · $422.1M · 2025Q4
Call Report peers
Members Choice in the assets neighbourhood
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Members Choice vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Members Choice sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Members Choice diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 76.91% here, 72.20% peer average (+4.71 pp).
- Largest lag: Net Worth Ratio at 8.31% vs peer 12.11% (-3.80 pp).
Members Choice: in-state Call Report ranks
- In Kentucky, health place is #39 of 54 on the same NCUA-ratio sort used nationally.
- Assets rank #8 of 54 inside Kentucky ($422.1M reported).
- Membership ranks #9 of 54 among Kentucky CUs with a reported count (23,228 members).
- One place up in Kentucky, Autotruck Financial (#38) ties at 78/100; one place down, Your Hometown (#40) scores 77/100, 1 point lower.
Quarter path for Members Choice
Members Choice: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $422.1M (2025Q4) to $425.8M (2026Q1).
- Net-worth ratio shifted +0.09 pp (8.22% → 8.31%).
This credit union's 8.31% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
Members Choice gives up 22 points in total. Member Growth costs the most, 11.6 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 25.8 pts
- Delinquency Rate 22.7 pts
- Return on Assets 11.1 pts
- Member Growth 3.4 pts
- Loan-to-Share Ratio 15.0 pts
Members Choice vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.31% | -3.80 pp |
| Delinquency Rate | 0.73% | -0.16 pp |
| Return on Assets | 0.24% | -0.38 pp |
| Member Growth | -3.09% | - |
| Loan-to-Share Ratio | 76.91% | +4.71 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Members Choice
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $425.8M | - |
| 2025Q4 | $422.1M | 23,228 |
| 2024Q4 | $408.8M | 23,969 |
| 2023Q4 | $402.5M | 24,342 |
Credit Union Details
- Charter Number
- 62026
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Kentucky
- City
- ASHLAND
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, Members Choice runs 8 offices in 5 different cities across 2 states.
| Office | City |
|---|---|
| RUSSELL ROAD OFFICE (Main Office) | ASHLAND, KY |
| Cannonsburg Office | ASHLAND, KY |
| CANNONSBURG OFFICE | ASHLAND, KY |
| Central Office | Ashland, KY |
| Bellefonte Office | Ashland, KY |
| Grayson Temporary Office | Grayson, KY |
| Greenup Temporary Office | Greenup, KY |
| Jack Henry Symitar Episys Data Center | Monett, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
More federally-insured credit unions based in Kentucky, ordered by peer group match and asset size.
Members Choice nationwide neighbourhoods
Using this data
- Members Choice ranks #3,031 of 4,374 nationally on financial health and #39 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ASHLAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ASHLAND
Frequently Asked Questions
Is Members Choice financially healthy?
On its 2025Q4 NCUA 5300 filing, Members Choice scores 78/100 (Very Good), with a 8.31% net worth ratio and 0.73% of loans delinquent. It ranks #3,031 of 4,374 nationally on health and #39 of 54 in Kentucky.
How does Members Choice compare to other credit unions?
Members Choice scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (76.91% vs 72.20%). Its widest shortfall is net worth ratio (8.31% vs 12.11%).
How can I join Members Choice?
Membership eligibility for Members Choice depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Members Choice directly for current membership requirements and application steps.
Is my money safe at Members Choice?
Members Choice is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Members Choice's net worth ratio of 8.31% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.