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
- BOOK 78/100
- CHARTER 8.3%
- NCUSIF 0.73%
- CAMELS 0.24%
- HEALTH $422.1M
- NW 23,228
- DELQ #3,031/4,374
- ROA Universal 1
- ASSETS 62026
Call Report peers
Members Choice in the assets neighbourhood
Members Choice's $422.1M assets sit next to Universal 1 ($422.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Members Choice vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Members Choice - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #62026. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for KY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Members Choice
Members Choice: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $422.1M (2025Q4) to $425.8M (2026Q1).
- Net-worth ratio shifted +0.09 pp (8.22% → 8.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Members Choice's nationwide photo peers by assets and by health score, excluding Kentucky charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($422.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Kentucky credit unions compare overall before assuming this one is typical. Kentucky state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Members Choice financially healthy?
Members Choice has a financial health score of 78/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,031 of 4,374; by total assets it ranks #830 of 4,374 nationally (same basis as /rankings/largest); and #8 of 54 within Kentucky. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.31% and delinquency rate of 0.73%.
How does Members Choice compare to other credit unions?
Members Choice scores 78/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Members Choice are 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."
What rates does Members Choice offer compared to banks?
Credit unions like Members Choice are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Members Choice directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.