Arh Federal Credit Union

Credit UnionFCUMiddlesboro, KY·Est. 1971·NCUA #20438Compare ⇄▤ Account brief

Total assets

$20.0M

▲ +3.4% YoY

Shares & deposits

$14.6M

▲ +3.7% YoY

Loans

$11.7M

▲ +22.4% YoY

Members

3,700

▼ -2.1% YoY

ROA (annualized)

0.90%

peers 0.60%

ROE (annualized)

3.40%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+3.4%	+1.3%	+2.1 pts
Share growth (YoY)	+3.7%	+0.7%	+3.1 pts
Loan growth (YoY)	+22.4%	-2.4%	+24.8 pts
ROA	0.90%	0.60%	+0.3 pts
ROE	3.4%	4.1%	-0.7 pts

ROA ranks in the 65th percentile of its peer group · Q1 2026

Profile

Established: 1971
Charter: FCU
Primary regulator: NCUA
NCUA peer group: Peer group 3
Address: 3805 Cumberland Ave, Middlesboro, KY, 40965
NCUA charter #: 20438
RSSD ID: 905888
Latest call report: Q1 2026

Total assets last 8 quarters

Members last 8 quarters

Quarterly financials NCUA 5300 call report

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$20.0M	$14.6M	$11.7M	$5.3M	$45K	0.90%	5.00%	0.98%	3,700
Q4 2025	$18.6M	$13.3M	$11.2M	$5.2M	$218K	1.17%	5.03%	2.47%	3,666
Q3 2025	$19.0M	$13.7M	$10.6M	$5.2M	$154K	1.08%	4.79%	2.03%	3,656
Q2 2025	$20.2M	$14.8M	$10.4M	$5.1M	$78K	0.77%	4.30%	1.75%	3,619
Q1 2025	$19.3M	$14.1M	$9.5M	$5.0M	$21K	0.44%	4.33%	0.93%	3,779
Q4 2024	$18.6M	$13.5M	$10.2M	$5.0M	$173K	0.93%	4.72%	2.07%	3,786
Q3 2024	$19.2M	$14.1M	$10.2M	$5.0M	$142K	0.98%	4.64%	1.59%	3,745
Q2 2024	$19.2M	$14.1M	$10.3M	$5.0M	$122K	1.27%	4.78%	2.07%

Signals what changed in the call reports

Members down·Members -2.1% YoY (2%+ decline) — Losing members — growth and digital experience are top of mindLoans up·Loans +22.4% YoY — Fast loan growth needs funding, credit tooling and staff

Earlier quarters (3)

Members -3.2% YoY (2%+ decline)Q4 2025
Members -2.4% YoY (2%+ decline)Q3 2025
Members -4.3% YoY (2%+ decline)Q2 2025

Ratio pack Q1 2026 · peer medians from 2508 institutions

Profitability

Ratio	Arh Federal Credit Union	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.90%	0.60%	65th
Return on equity Annualized net income ÷ equity or net worth	3.4%	4.1%	45th
Net interest margin Interest income − interest expense, ÷ assets	5.00%	3.83%

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Ratio	Arh Federal Credit Union	Peer median
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand	00.0%	00.0%
Loans-to-assets How much of the balance sheet is lent out	00.0%	00.0%
Securities-to-assets Investment portfolio as a share of assets	00.0%	00.0%
Cash-to-assets On-balance-sheet liquidity	00.0%	00.0%

Ratio	Arh Federal Credit Union	Peer median
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans	00.0%	00.0%
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans	00.0%	00.0%
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300%	00.0%	00.0%

Ratio	Arh Federal Credit Union	Trend (8q)	Peer median	Peer percentile
Loans per member Member borrowing depth	00.0%		00.0%
Deposits per member Member relationship depth	00.0%		00.0%