State credit union · Whitesville, Kentucky · NCUA charter #62432
Whitesville Community
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $33.5M
- Total assets
- 2,316
- Members
- 11.5%
- Net-worth ratio
Whitesville Community scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $33.5M; members 2,316; net-worth ratio 11.48%; health rank #2,125 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,125 of 4,374 health · 2025Q4Whitesville Community · health 84/100 · $33.5M · 2025Q4
- ROA 84/100
- ASSETS 11.5%
- MEM 0.19%
- RANK 0.99%
- PHOTO $33.5M
- BOOK 2,316
- CHARTER #2,125/4,374
- NCUSIF Omaha Public Power Dist Emp
- CAMELS 62432
Call Report peers
Whitesville Community in the assets neighbourhood
Whitesville Community's $33.5M assets sit next to Omaha Public Power Dist Emp ($33.5M) 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.
Whitesville Community 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
84 Top 50% higher than 50% 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
Whitesville Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #62432 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Whitesville Community
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.95 pp (0.19% vs 1.15%).
- Largest lag: Loan-to-Share Ratio at 42.73% vs peer 59.80% (-17.07 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Whitesville Community in Kentucky
- Health composite ranks #27 of 54 among scored Kentucky credit unions.
- Kentucky assets place: #33 of 54.
- Membership ranks #36 of 54 among Kentucky CUs with a reported count (2,316 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.
Whitesville Community Call Report trajectory
Whitesville Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +19.1% from $33.5M (2025Q4) to $39.9M (2026Q1).
- Net-worth ratio shifted -0.54 pp (12.02% → 11.48%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.48% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.6 pts
- Loan-to-Share Ratio 9.4 pts
Whitesville Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.48% | -3.38 pp |
| Delinquency Rate | 0.19% | -0.95 pp |
| Return on Assets | 0.99% | +0.28 pp |
| Member Growth | -2.44% | - |
| Loan-to-Share Ratio | 42.73% | -17.07 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $39.9M | - |
| 2025Q4 | $33.5M | 2,316 |
| 2024Q4 | $33.1M | 2,374 |
| 2023Q4 | $34.2M | 2,299 |
Credit Union Details
- Charter Number
- 62432
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Kentucky
- City
- Whitesville
- Data Quarter
- 2025Q4
Branch Locations (2)
Whitesville Community operates 2 offices in Whitesville, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Whitesville Community Credit Union (Main Office) | Whitesville, KY |
| Credit Union Vault | Whitesville, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
More federally-insured credit unions based in Kentucky, ordered by peer group match and asset size.
Other-state peers near Whitesville Community
Cross-state asset and health neighbours for Whitesville Community - kept outside Kentucky; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($33.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Whitesville Community ranks #2,125 of 4,374 nationally on financial health and #27 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Rural Cooperatives is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Rural Cooperatives
- 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 Whitesville Community financially healthy?
Whitesville Community has a financial health score of 84/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,125 of 4,374; by total assets it ranks #2,765 of 4,374 nationally (same basis as /rankings/largest); and #33 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 11.48% and delinquency rate of 0.19%.
How does Whitesville Community compare to other credit unions?
Whitesville Community scores 84/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Whitesville Community?
Membership eligibility for Whitesville Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Whitesville Community directly for current membership requirements and application steps.
Is my money safe at Whitesville Community?
Federal credit unions like Whitesville Community 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. Whitesville Community's net worth ratio of 11.48% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Whitesville Community offer compared to banks?
Credit unions like Whitesville Community 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 Whitesville Community 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.