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.
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#4,257 of 4,374 health · 2025Q4Modern Employees · health 51/100 · $5.5M · 2025Q4
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Modern Employees sits in 50-54 with 82 others.
51 3rd percentile higher than 3% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Kentucky, Corning Glass Works Harrodsbg (#52) scores 58/100, 7 points higher; one place down, Young Community (#54) scores 45/100, 6 points lower.
Modern Employees: 2024Q4 → 2025Q4
Modern Employees: total assets by quarter
2023Q4 to 2025Q4, NCUA 5300
- 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%).
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
Modern Employees gives up 49 points in total. Delinquency Rate costs the most, 25 of its 25; Return on Assets scores full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Modern Employees financially healthy?
Modern Employees has a financial health score of 51/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,257 of 4,374 nationally on health and #53 of 54 in Kentucky. Its net worth ratio is 8.48% and its delinquency rate 4.89%.
How does Modern Employees compare to other credit unions?
Modern Employees scores 51/100, higher than 3% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is return on assets (1.34% vs 0.45%). Its widest shortfall is loan-to-share ratio (44.82% vs 63.60%).
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?
Modern Employees is a federal 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. Modern Employees's net worth ratio of 8.48% 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.