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
Call Report peers
Whitesville Community in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Whitesville Community sits in 80-84 with 767 others.
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
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).
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).
- One place up in Kentucky, Greater Kentucky Cu, Inc. (#26) ties at 84/100; one place down, Lake Chem Community (#28) ties at 84/100.
Whitesville Community Call Report trajectory
Whitesville Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +19.1% from $33.5M (2025Q4) to $39.9M (2026Q1).
- Net-worth ratio shifted -0.54 pp (12.02% → 11.48%).
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
Whitesville Community gives up 16 points in total. Member Growth costs the most, 10.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Whitesville Community financially healthy?
Whitesville Community has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,125 of 4,374 nationally on health and #27 of 54 in Kentucky. Its net worth ratio is 11.48% and its delinquency rate 0.19%.
How does Whitesville Community compare to other credit unions?
Whitesville Community scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.19% vs 1.15%). Its widest shortfall is loan-to-share ratio (42.73% vs 59.80%).
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?
Whitesville Community is a state-chartered 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. Whitesville Community's net worth ratio of 11.48% 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.