Federal credit union · Paducah, Kentucky · NCUA charter #23949
SIGNET
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $374.8M
- Total assets
- 22,732
- Members
- 16.7%
- Net-worth ratio
SIGNET scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $374.8M; members 22,732; net-worth ratio 16.72%; health rank #325 of 4,374; healthier than 90th of scored peers.
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SIGNET vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SIGNET sits in 95-99 with 391 others.
95 Top 10% higher than 90% 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
SIGNET: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 16.72% vs peer 12.11% (+4.61 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -0.25 pp (71.95% vs 72.20%).
SIGNET in Kentucky
- Kentucky health ordinal: #6 of 54.
- Assets rank #10 of 54 inside Kentucky ($374.8M reported).
- Membership ranks #11 of 54 among Kentucky CUs with a reported count (22,732 members).
- One place up in Kentucky, L & N (#5) scores 96/100, 1 point higher; one place down, ABOUND (#7) scores 94/100, 1 point lower.
SIGNET: 2025Q4 → 2026Q1
SIGNET: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.9% from $374.8M (2025Q4) to $389.6M (2026Q1).
- Net-worth ratio shifted -0.36 pp (17.08% → 16.72%).
This credit union's 16.72% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
SIGNET gives up 5 points in total. Delinquency Rate costs the most, 4.9 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.1 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.9 pts
SIGNET health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.72% | +4.61 pp |
| Delinquency Rate | 0.99% | +0.09 pp |
| Return on Assets | 0.85% | +0.22 pp |
| Member Growth | 13.45% | - |
| Loan-to-Share Ratio | 71.95% | -0.25 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
SIGNET quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $389.6M | - |
| 2025Q4 | $374.8M | 22,732 |
| 2024Q4 | $357.5M | 20,037 |
| 2023Q4 | $342.9M | 19,698 |
Credit Union Details
- Charter Number
- 23949
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Kentucky
- City
- Paducah
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, SIGNET runs 4 offices in 2 different cities.
| Office | City |
|---|---|
| Main (Main Office) | Paducah, KY |
| Mayfield | Mayfield, KY |
| Tully | Paducah, KY |
| New Holt | Paducah, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
SIGNET nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- SIGNET ranks #325 of 4,374 nationally on financial health and #6 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- C-PLANT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with C-PLANT
Frequently Asked Questions
Is SIGNET financially healthy?
SIGNET has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #325 of 4,374 nationally on health and #6 of 54 in Kentucky. Its net worth ratio is 16.72% and its delinquency rate 0.99%.
How does SIGNET compare to other credit unions?
SIGNET scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (16.72% vs 12.11%). Its widest shortfall is loan-to-share ratio (71.95% vs 72.20%).
How can I join SIGNET?
SIGNET operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact SIGNET directly for the exact boundaries and application steps.
Is my money safe at SIGNET?
SIGNET 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. SIGNET's net worth ratio of 16.72% 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.