W B H Employees Federal Credit Union (NCUA charter #10274) is based in Paducah, Kentucky. Its Q2 2026 call report shows $17.6M in total assets and $15.1M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, W B H Employees Federal Credit Union scores 73/100, which we describe as strong. That is higher than only 47% of 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Kentucky, it ranks 24th. Its strongest component is funding & liquidity (100/100; 48% loans-to-deposits, 1% uninsured), and its lowest is earnings (0/100; -1.75%).
TellerScore · Q2 2026
Scorecard
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 3 points (76 → 73), mostly because the loan quality component improved by 42 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 72 |
| Q4 2024 | 51 |
| Q1 2025 | 85 |
| Q2 2025 | 76 |
| Q3 2025 | 78 |
| Q4 2025 | 79 |
| Q1 2026 | 70 |
| Q2 2026 | 73 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 14.81% |
| Q3 2024 | 14.80% |
| Q4 2024 | 16.70% |
| Q1 2025 | 16.04% |
| Q2 2025 | 16.20% |
| Q3 2025 | 14.80% |
| Q4 2025 | 14.74% |
| Q1 2026 | 13.78% |
| Q2 2026 | 12.98% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.65% |
| Q3 2024 | 1.78% |
| Q4 2024 | 3.21% |
| Q1 2025 | 0.33% |
| Q2 2025 | 1.32% |
| Q3 2025 | 0.09% |
| Q4 2025 | 0.02% |
| Q1 2026 | 0.71% |
| Q2 2026 | 0.05% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.38% |
| Q3 2024 | 0.55% |
| Q4 2024 | -0.52% |
| Q1 2025 | 0.57% |
| Q2 2025 | 0.45% |
| Q3 2025 | -1.78% |
| Q4 2025 | -1.78% |
| Q1 2026 | -2.12% |
| Q2 2026 | -1.75% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $17.6M | 12.98% | 0.05% | -1.75% | 48.1% |
| Q1 2026 | 70 | $17.0M | 13.78% | 0.71% | -2.12% | 50.3% |
| Q4 2025 | 79 | $16.5M | 14.74% | 0.02% | -1.78% | 56.8% |
| Q3 2025 | 78 | $16.9M | 14.80% | 0.09% | -1.78% | 56.9% |
| Q2 2025 | 76 | $17.1M | 16.20% | 1.32% | 0.45% | 61.0% |
| Q1 2025 | 85 | $17.2M | 16.04% | 0.33% | 0.57% | 63.4% |
| Q4 2024 | 51 | $16.3M | 16.70% | 3.21% | -0.52% | 71.2% |
| Q3 2024 | 72 | $19.5M | 14.80% | 1.78% | 0.55% | 60.2% |
| Q2 2024 | 70 | $19.7M | 14.81% | 1.65% | 0.38% | 60.7% |
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).
Similar-size credit unions in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Old Kentucky Home Federal Credit UnionCredit union Bardstown, KY | 70 out of 100, Strong | $19.8M | 12.2% | 0.55% | vs |
| Arh Federal Credit UnionCredit union Middlesboro, KY | 79 out of 100, Strong | $19.9M | 26.9% | 1.32% | vs |
| Brown-Forman Employees Credit UnionCredit union Louisville, KY | 71 out of 100, Strong | $14.4M | 19.6% | 1.71% | vs |
| Bluegrass Community Federal Credit UnionCredit union Ashland, KY | 36 out of 100, Low | $12.9M | 9.6% | 3.05% | vs |
| Kraftcor Federal Credit UnionCredit union Hawesville, KY | 52 out of 100, Below average | $12.4M | 7.9% | 1.01% | vs |
| Doe Run Federal Credit UnionCredit union Brandenburg, KY | 44 out of 100, Below average | $12.2M | 11.3% | 3.53% | vs |
Deposit insurance
Is my money safe at W B H Employees Federal Credit Union?
Yes. W B H Employees Federal Credit Union is a federally insured credit union (NCUA charter #10274). 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 0.7% of shares and deposits ($98K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 12.98%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
W B H Employees Federal Credit Union lists 1 office in 1 city. Most locations:
- Paducah, KY (1)
Identity & history
Profile
- Legal name
- W B H Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 10274
- RSSD ID
- 754787
- Primary regulator
- NCUA
- Established
- 1955
- Headquarters
- 2501 Broadway St, Paducah, KY 42001
- Employees
- 11
Quick answers
W B H Employees Federal Credit Union: common questions
Is W B H Employees Federal Credit Union NCUA insured?
Yes. W B H Employees Federal Credit Union is a federally insured credit union (NCUA charter #10274). 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 W B H Employees Federal Credit Union's TellerScore?
73 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 W B H Employees Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Paducah
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| C-Plant Federal Credit UnionCredit union Paducah, KY | 92 out of 100, Very strong | $365.9M | 14.7% | 0.16% | vs |
| Shawnee TVA Employees Federal Credit UnionCredit union West Paducah, KY | 90 out of 100, Very strong | $6.6M | 22.6% | 0.00% | vs |
| Signet Federal Credit UnionCredit union Paducah, KY | 82 out of 100, Strong | $398.2M | 16.6% | 1.07% | vs |
| The Paducah Bank and Trust CompanyBank Paducah, KY | 79 out of 100, Strong | $1.1B | 10.6% | 0.19% | vs |
| Citizens Deposit Bank of Arlington, Inc.Bank Arlington, KY | 77 out of 100, Strong | $348.2M | 13.7% | 0.94% | vs |
| First Kentucky Bank, Inc.Bank Mayfield, KY | 73 out of 100, Strong | $585.6M | 9.3% | 0.25% | vs |