TellerScore

Arh Federal Credit Union (NCUA charter #20438) is based in Middlesboro, Kentucky. Its Q2 2026 call report shows $19.9M in total assets and $14.4M in member shares and deposits and 1 office.

Arh Federal Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Kentucky, it ranks 17th. Capital cushion contributes the most (100/100, 26.93%); loan quality contributes the least (56/100, 1.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 26.93%
Loan quality56/100
Loans 60+ days delinquent ÷ total loans: 1.32%
Earnings69/100
Return on assets (annualized): 1.23%
Funding & liquidity78/100
Loans ÷ shares: 82.2% · 5.1% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.92%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (74 → 79), mostly because the earnings component improved by 18 points.

TellerScore
687480Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202476
Q4 202471
Q1 202578
Q2 202574
Q3 202572
Q4 202568
Q1 202680
Q2 202679
Net worth ratio
7.00%17.56%28.13%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202425.88%
Q3 202425.91%
Q4 202426.93%
Q1 202526.07%
Q2 202525.25%
Q3 202527.26%
Q4 202528.13%
Q1 202626.47%
Q2 202626.93%
Delinquent loans (60+ days)
0.93%1.70%2.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.07%
Q3 20241.59%
Q4 20242.07%
Q1 20250.93%
Q2 20251.75%
Q3 20252.03%
Q4 20252.47%
Q1 20260.98%
Q2 20261.32%
Return on assets
0.44%0.86%1.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.27%
Q3 20240.98%
Q4 20240.93%
Q1 20250.44%
Q2 20250.77%
Q3 20251.08%
Q4 20251.17%
Q1 20260.90%
Q2 20261.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$19.9M26.93%1.32%1.23%82.2%
Q1 202680$20.0M26.47%0.98%0.90%80.0%
Q4 202568$18.6M28.13%2.47%1.17%84.6%
Q3 202572$19.0M27.26%2.03%1.08%77.6%
Q2 202574$20.2M25.25%1.75%0.77%70.2%
Q1 202578$19.3M26.07%0.93%0.44%67.8%
Q4 202471$18.6M26.93%2.07%0.93%75.3%
Q3 202476$19.2M25.91%1.59%0.98%72.8%
Q2 202474$19.2M25.88%2.07%1.27%73.1%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio26.93%
92nd
Problem loans1.32%
31st
Net charge-offs0.80%
18th
Return on assets1.23%
77th
Loans to deposits82.2%
17th
Uninsured deposits5.1%
21st
Loan-loss reserves0.00%
37th
Texas ratio2.9%
43rd

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Old Kentucky Home Federal Credit UnionCredit union Bardstown, KY70 out of 100, Strong$19.8M12.2%0.55%vs
W B H Employees Federal Credit UnionCredit union Paducah, KY73 out of 100, Strong$17.6M13.0%0.05%vs
K I T Federal Credit UnionCredit union Louisville, KY76 out of 100, Strong$23.1M11.9%0.35%vs
Main Impact Federal Credit UnionCredit union Murray, KY74 out of 100, Strong$23.3M10.5%0.03%vs
Brown-Forman Employees Credit UnionCredit union Louisville, KY71 out of 100, Strong$14.4M19.6%1.71%vs
Your Hometown Federal Credit UnionCredit union Mayfield, KY47 out of 100, Below average$25.6M9.3%1.75%vs

Deposit insurance

Is my money safe at Arh Federal Credit Union?

Yes. Arh Federal Credit Union is a federally insured credit union (NCUA charter #20438). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.1% of shares and deposits ($734K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 26.93%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Arh Federal Credit Union lists 1 office in 1 city. Most locations:

  • Middlesboro, KY (1)

All branch addresses and map

Identity & history

Profile

Legal name
Arh Federal Credit Union
Type
Federal credit union
NCUA charter #
20438
RSSD ID
905888
Primary regulator
NCUA
Established
1971
Headquarters
3805 Cumberland Ave, Middlesboro, KY 40965
Employees
6

Quick answers

Arh Federal Credit Union: common questions

Is Arh Federal Credit Union NCUA insured?

Yes. Arh Federal Credit Union is a federally insured credit union (NCUA charter #20438). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Arh Federal Credit Union's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Arh Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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