Federal credit union · Paducah, Kentucky · NCUA charter #10274
W B H Employees
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $16.5M
- Total assets
- 2,298
- Members
- 13.8%
- Net-worth ratio
W B H Employees scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.5M; members 2,298; net-worth ratio 13.78%; health rank #2,718 of 4,374; healthier than 36th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,718 of 4,374 health · 2025Q4W B H Employees · health 80/100 · $16.5M · 2025Q4
Call Report peers
W B H Employees in the assets neighbourhood
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W B H Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); W B H Employees sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
W B H Employees: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -1.13 pp (0.02% vs 1.15%).
- Loan-to-Share Ratio trails the peer set - 56.77% here, 59.80% peer average (-3.03 pp).
Kentucky standing for W B H Employees
- Health composite ranks #33 of 54 among scored Kentucky credit unions.
- Assets rank #42 of 54 inside Kentucky ($16.5M reported).
- Membership ranks #37 of 54 among Kentucky CUs with a reported count (2,298 members).
- One place up in Kentucky, Northern Kentucky (#32) scores 81/100, 1 point higher; one place down, KUE (#34) scores 79/100, 1 point lower.
How W B H Employees's 5300 filing moved
W B H Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $16.5M (2025Q4) to $17.0M (2026Q1).
- Net-worth ratio shifted -0.96 pp (14.74% → 13.78%).
This credit union's 13.78% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
W B H Employees gives up 20 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 12.6 pts
- Loan-to-Share Ratio 12.4 pts
W B H Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.78% | -1.08 pp |
| Delinquency Rate | 0.02% | -1.13 pp |
| Return on Assets | -0.51% | -1.22 pp |
| Member Growth | 3.00% | - |
| Loan-to-Share Ratio | 56.77% | -3.03 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
W B H Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.0M | - |
| 2025Q4 | $16.5M | 2,298 |
| 2024Q4 | $16.3M | 2,231 |
| 2023Q4 | $19.6M | 2,127 |
Credit Union Details
- Charter Number
- 10274
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Kentucky
- City
- Paducah
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for W B H Employees.
| Office | City |
|---|---|
| WBH Federal Credit Union (Main Office) | Paducah, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
Other federally-insured credit unions in Kentucky, closest first by peer group and asset size.
Cross-state Call Report peers for W B H Employees
Similar total assets
Similar health score
Using this data
- W B H Employees ranks #2,718 of 4,374 nationally on financial health and #33 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Brown-Forman Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Brown-Forman Employees
Frequently Asked Questions
Is W B H Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, W B H Employees scores 80/100 (Excellent), with a 13.78% net worth ratio and 0.02% of loans delinquent. It ranks #2,718 of 4,374 nationally on health and #33 of 54 in Kentucky.
How does W B H Employees compare to other credit unions?
W B H Employees scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.02% vs 1.15%). Its widest shortfall is loan-to-share ratio (56.77% vs 59.80%).
How can I join W B H Employees?
W B H Employees 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 W B H Employees directly for the exact boundaries and application steps.
Is my money safe at W B H Employees?
W B H 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. W B H Employees's net worth ratio of 13.78% 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.