TellerScore

Members Choice Credit Union (NCUA charter #62026) is based in Ashland, Kentucky. Its Q2 2026 call report shows $430.8M in total assets and $388.4M in member shares and deposits and 8 offices across 2 states.

Based on its Q2 2026 filing, Members Choice Credit Union scores 59/100, which we describe as moderate. That is higher than only 19% of 1,341 credit unions with $100 million – $1 billion. Among 51 credit unions headquartered in Kentucky, it ranks 43rd. Its strongest component is problem-loan coverage (87/100; 6.6%), and its lowest is capital cushion (34/100; 8.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Net worth ratio: 8.38%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.76%
Earnings45/100
Return on assets (annualized): 0.64%
Funding & liquidity83/100
Loans ÷ shares: 77.0% · 8.9% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.57%

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 4 points (55 → 59), mostly because the earnings component improved by 11 points.

TellerScore
515661Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202454
Q3 202451
Q4 202452
Q1 202554
Q2 202555
Q3 202555
Q4 202558
Q1 202661
Q2 202659
Net worth ratio
7.00%7.69%8.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.95%
Q3 20247.98%
Q4 20248.01%
Q1 20258.15%
Q2 20258.09%
Q3 20258.22%
Q4 20258.22%
Q1 20268.31%
Q2 20268.38%
Delinquent loans (60+ days)
0.62%0.93%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.01%
Q3 20241.24%
Q4 20241.07%
Q1 20251.02%
Q2 20250.85%
Q3 20250.90%
Q4 20250.73%
Q1 20260.62%
Q2 20260.76%
Return on assets
0.19%0.42%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.27%
Q3 20240.19%
Q4 20240.25%
Q1 20250.38%
Q2 20250.36%
Q3 20250.42%
Q4 20250.52%
Q1 20260.65%
Q2 20260.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$430.8M8.38%0.76%0.64%77.0%
Q1 202661$425.8M8.31%0.62%0.65%75.2%
Q4 202558$422.1M8.22%0.73%0.52%76.9%
Q3 202555$411.3M8.22%0.90%0.42%75.1%
Q2 202555$410.7M8.09%0.85%0.36%74.4%
Q1 202554$403.7M8.15%1.02%0.38%73.0%
Q4 202452$408.8M8.01%1.07%0.25%73.7%
Q3 202451$404.8M7.98%1.24%0.19%71.0%
Q2 202454$405.7M7.95%1.01%0.27%70.5%

1,341 peers · $100 million – $1 billion

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 ratio8.38%
6th
Problem loans0.76%
45th
Net charge-offs0.50%
35th
Return on assets0.64%
41st
Loans to deposits77.0%
47th
Uninsured deposits8.9%
23rd
Loan-loss reserves0.00%
50th
Texas ratio6.6%
28th

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Ashland Credit UnionCredit union Ashland, KY62 out of 100, Moderate$411.8M12.3%1.29%vs
Signet Federal Credit UnionCredit union Paducah, KY82 out of 100, Strong$398.2M16.6%1.07%vs
C-Plant Federal Credit UnionCredit union Paducah, KY92 out of 100, Very strong$365.9M14.7%0.16%vs
Class Act Federal Credit UnionCredit union Louisville, KY71 out of 100, Strong$365.0M10.8%0.62%vs
Transcend Credit UnionCredit union Louisville, KY83 out of 100, Strong$588.3M13.4%0.13%vs
Members Heritage Credit UnionCredit union Lexington, KY71 out of 100, Strong$590.8M12.4%0.92%vs

Deposit insurance

Is my money safe at Members Choice Credit Union?

Yes. Members Choice Credit Union is a federally insured credit union (NCUA charter #62026). 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 8.9% of shares and deposits ($34.6M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.38%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Members Choice Credit Union lists 8 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Members Choice Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62026
RSSD ID
792695
Primary regulator
State + NCUA
Established
1932
Headquarters
145 Russell Rd, Ashland, KY 41101
Employees
77

Quick answers

Members Choice Credit Union: common questions

Is Members Choice Credit Union NCUA insured?

Yes. Members Choice Credit Union is a federally insured credit union (NCUA charter #62026). 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 Members Choice Credit Union's TellerScore?

59 out of 100 (Moderate), 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 Members Choice Credit Union have?

8 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Ashland

InstitutionScoreAssetsCapitalProblem loansCompare
Kentucky Farmers Bank CorporationBank Catlettsburg, KY93 out of 100, Very strong$328.5M15.7%0.43%vs
Pace Federal Credit UnionCredit union Huntington, WV86 out of 100, Very strong$8.7M12.9%0.00%vs
Liberty BankBank Ironton, OH82 out of 100, Strong$55.7M18.0%0.77%vs
First Priority Federal Credit UnionCredit union Huntington, WV82 out of 100, Strong$74.8M12.5%1.14%vs
F.C.I. Ashland Federal Credit UnionCredit union Ashland, KY81 out of 100, Strong$8.8M14.3%0.00%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs