TellerScore

Headquartered in Lexington, Kentucky, Members Heritage Credit Union is a federally insured state-chartered credit union with $590.8M in total assets and $515.8M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1960.

Members Heritage Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 1,341 credit unions with $100 million – $1 billion. Among 51 credit unions headquartered in Kentucky, it ranks 29th. Problem-loan coverage contributes the most (91/100, 4.7%); earnings contributes the least (47/100, 0.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.39%
Loan quality69/100
Loans 60+ days delinquent ÷ total loans: 0.92%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity87/100
Loans ÷ shares: 72.9% · 7.0% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.72%

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 fell 5 points (76 → 71), mostly because the loan quality component weakened by 20 points.

TellerScore
717579Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202479
Q4 202479
Q1 202576
Q2 202576
Q3 202578
Q4 202578
Q1 202673
Q2 202671
Net worth ratio
7.00%9.84%12.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.07%
Q3 202412.36%
Q4 202412.56%
Q1 202512.16%
Q2 202512.32%
Q3 202512.63%
Q4 202512.69%
Q1 202612.32%
Q2 202612.39%
Delinquent loans (60+ days)
0.21%0.56%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.24%
Q3 20240.25%
Q4 20240.21%
Q1 20250.28%
Q2 20250.34%
Q3 20250.36%
Q4 20250.41%
Q1 20260.54%
Q2 20260.92%
Return on assets
0.50%0.72%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.88%
Q3 20240.94%
Q4 20240.88%
Q1 20250.65%
Q2 20250.73%
Q3 20250.87%
Q4 20250.84%
Q1 20260.50%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$590.8M12.39%0.92%0.68%72.9%
Q1 202673$583.6M12.32%0.54%0.50%72.4%
Q4 202578$564.0M12.69%0.41%0.84%74.1%
Q3 202578$558.5M12.63%0.36%0.87%74.6%
Q2 202576$559.7M12.32%0.34%0.73%74.0%
Q1 202576$557.6M12.16%0.28%0.65%74.2%
Q4 202479$536.0M12.56%0.21%0.88%78.1%
Q3 202479$537.1M12.36%0.25%0.94%79.3%
Q2 202477$538.3M12.07%0.24%0.88%78.0%

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 ratio12.39%
62nd
Problem loans0.92%
34th
Net charge-offs0.26%
62nd
Return on assets0.68%
45th
Loans to deposits72.9%
56th
Uninsured deposits7.0%
40th
Loan-loss reserves0.00%
50th
Texas ratio4.7%
43rd

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Transcend Credit UnionCredit union Louisville, KY83 out of 100, Strong$588.3M13.4%0.13%vs
Members Choice Credit UnionCredit union Ashland, KY59 out of 100, Moderate$430.8M8.4%0.76%vs
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

Deposit insurance

Is my money safe at Members Heritage Credit Union?

Yes. Members Heritage Credit Union is a federally insured credit union (NCUA charter #68661). 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 7.0% of shares and deposits ($36.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.39%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Members Heritage Credit Union lists 5 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Members Heritage Credit Union reported 191 home-loan applications under HMDA (LEI 549300YSLPB4FWL34Z59): 162 originated ($23,630,000 total), 6 denied, and 20 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Members Heritage Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68661
RSSD ID
47788
Primary regulator
State + NCUA
Established
1960
Headquarters
440 Park Pl, Lexington, KY 40511
Employees
96

Quick answers

Members Heritage Credit Union: common questions

Is Members Heritage Credit Union NCUA insured?

Yes. Members Heritage Credit Union is a federally insured credit union (NCUA charter #68661). 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 Heritage Credit Union's TellerScore?

71 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 Members Heritage Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lexington

InstitutionScoreAssetsCapitalProblem loansCompare
The Health & Education Federal Credit UnionCredit union Lexington, KY97 out of 100, Very strong$125.8M17.7%0.23%vs
Whitaker BankBank Lexington, KY84 out of 100, Strong$1.9B12.9%0.21%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Guardian Savings BankBank West Chester, OH83 out of 100, Strong$1.4B11.4%0.20%vs
Transcend Credit UnionCredit union Louisville, KY83 out of 100, Strong$588.3M13.4%0.13%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs