Federal credit union · OWENSBORO, Kentucky · NCUA charter #8940
Modern Employees
Health score 51/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 51
- Health / 100
- $5.5M
- Total assets
- 511
- Members
- 8.5%
- Net-worth ratio
Modern Employees scores 51/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.5M; members 511; net-worth ratio 8.48%; health rank #4,257 of 4,374; healthier than 3rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,257 of 4,374 health · 2025Q4Modern Employees · health 51/100 · $5.5M · 2025Q4
- ROA 51/100
- ASSETS 8.5%
- MEM 4.89%
- RANK 1.34%
- PHOTO $5.5M
- BOOK 511
- CHARTER #4,257/4,374
- NCUSIF n/a
- CAMELS 8940
Call Report peers
Modern Employees carries $5.5M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Modern Employees 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
51 3rd percentile higher than 3% 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
Modern Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #8940. See our deposit-insurance coverage note.
Where Modern Employees diverges from peer averages
- Return on Assets leads the peer set - 1.34% here, 0.45% peer average (+0.89 pp).
- Loan-to-Share Ratio trails the peer set - 44.82% here, 63.60% peer average (-18.78 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Modern Employees sits in Kentucky
- Health composite ranks #53 of 54 among scored Kentucky credit unions.
- Kentucky assets place: #51 of 54.
- Member book place in Kentucky: #52 of 54.
In-state ordinals use the live credit_unions table for KY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Modern Employees: 2024Q4 → 2025Q4
Modern Employees: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved -6.3% from $5.9M (2024Q4) to $5.5M (2025Q4).
- Membership moved -19.8% from 637 to 511 over the same window.
- Net-worth ratio shifted -8.53 pp (17.01% → 8.48%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.48% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 51/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 51.
- Net Worth Ratio 26.2 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.48% | -10.58 pp |
| Delinquency Rate | 4.89% | +3.08 pp |
| Return on Assets | 1.34% | +0.89 pp |
| Member Growth | -19.78% | - |
| Loan-to-Share Ratio | 44.82% | -18.78 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Modern Employees
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $5.5M | 511 |
| 2024Q4 | $5.9M | 637 |
| 2023Q4 | $6.5M | 553 |
Credit Union Details
- Charter Number
- 8940
- Type
- Federal
- Field of Membership
- Manufacturing
- Peer Group
- $2M–$10M
- State
- Kentucky
- City
- OWENSBORO
- Data Quarter
- 2025Q4
Nearby Credit Unions in Kentucky
Other federally-insured credit unions in Kentucky, closest first by peer group and asset size.
Modern Employees nationwide neighbourhoods
Modern Employees's nationwide photo peers by assets and by health score, excluding Kentucky charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (51/100 here).
Using this data
- Modern Employees ranks #4,257 of 4,374 nationally on financial health and #53 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Corning Glass Works Harrodsbg is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Corning Glass Works Harrodsbg
- 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 Modern Employees financially healthy?
Modern Employees has a financial health score of 51/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,257 of 4,374; by total assets it ranks #3,841 of 4,374 nationally (same basis as /rankings/largest); and #51 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 8.48% and delinquency rate of 4.89%.
How does Modern Employees compare to other credit unions?
On PlainCU's health composite, Modern Employees lands at 51/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Modern Employees?
Modern Employees is chartered around a single common bond (Manufacturing), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Modern Employees directly to confirm eligibility.
Is my money safe at Modern Employees?
Federal credit unions like Modern Employees 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. Modern Employees's net worth ratio of 8.48% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Modern Employees offer compared to banks?
Credit unions like Modern Employees 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 Modern Employees 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.