State credit union · Louisville, Kentucky · NCUA charter #61693
Rural Cooperatives
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $33.7M
- Total assets
- 3,094
- Members
- 12.0%
- Net-worth ratio
Rural Cooperatives scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $33.7M; members 3,094; net-worth ratio 11.98%; health rank #3,715 of 4,374; healthier than 15th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,715 of 4,374 health · 2025Q4Rural Cooperatives · health 68/100 · $33.7M · 2025Q4
- NW 68/100
- DELQ 12.0%
- ROA 0.25%
- ASSETS -0.10%
- MEM $33.7M
- RANK 3,094
- PHOTO #3,715/4,374
- BOOK MERIDIAN
- CHARTER 61693
Call Report peers
Rural Cooperatives in the assets neighbourhood
Rural Cooperatives's $33.7M assets sit next to MERIDIAN ($33.7M) 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.
Rural Cooperatives 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
68 15th percentile higher than 15% 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
Rural Cooperatives - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #61693, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Rural Cooperatives
- Largest favorable gap: Delinquency Rate at 0.25% vs peer 1.15% (-0.89 pp).
- Largest lag: Loan-to-Share Ratio at 34.50% vs peer 59.80% (-25.30 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Rural Cooperatives in Kentucky
- Health composite ranks #46 of 54 among scored Kentucky credit unions.
- By total assets, Rural Cooperatives is #32 of 54 in Kentucky.
- Membership ranks #30 of 54 among Kentucky CUs with a reported count (3,094 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.
Rural Cooperatives: 2024Q4 → 2025Q4
Rural Cooperatives: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved -2.1% from $34.4M (2024Q4) to $33.7M (2025Q4).
- Membership moved -6.6% from 3,311 to 3,094 over the same window.
- Net-worth ratio shifted -0.80 pp (12.78% → 11.98%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.98% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 68/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 68.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 3.6 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.4 pts
Rural Cooperatives vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.98% | -2.88 pp |
| Delinquency Rate | 0.25% | -0.89 pp |
| Return on Assets | -0.10% | -0.80 pp |
| Member Growth | -6.55% | - |
| Loan-to-Share Ratio | 34.50% | -25.30 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Rural Cooperatives quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $33.7M | 3,094 |
| 2024Q4 | $34.4M | 3,311 |
| 2023Q4 | $35.2M | 3,492 |
Credit Union Details
- Charter Number
- 61693
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Kentucky
- City
- Louisville
- Data Quarter
- 2025Q4
Nearby Credit Unions in Kentucky
A look at other Kentucky credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Rural Cooperatives - kept outside Kentucky; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($33.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (68/100 here).
Using this data
- Rural Cooperatives ranks #3,715 of 4,374 nationally on financial health and #46 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Whitesville Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Whitesville Community
- 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 Rural Cooperatives financially healthy?
A 11.98% net worth ratio and a 0.25% delinquency rate feed into Rural Cooperatives's financial health score of 68/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,715 of 4,374; by total assets it ranks #2,756 of 4,374 nationally (same basis as /rankings/largest); and #32 of 54 within Kentucky. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Rural Cooperatives compare to other credit unions?
68/100 is Rural Cooperatives's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Rural Cooperatives?
Membership eligibility for Rural Cooperatives depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Rural Cooperatives directly for current membership requirements and application steps.
Is my money safe at Rural Cooperatives?
Federal credit unions like Rural Cooperatives 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. Rural Cooperatives's net worth ratio of 11.98% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Rural Cooperatives offer compared to banks?
Credit unions like Rural Cooperatives 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 Rural Cooperatives 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.