TellerScore

Headquartered in Whitesville, Kentucky, Whitesville Community Credit Union is a federally insured state-chartered credit union with $39.5M in total assets and $34.4M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1962.

Whitesville Community Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Kentucky, it ranks 20th. Earnings contributes the most (100/100, 2.04%); loan quality contributes the least (39/100, 1.82%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.40%
Loan quality39/100
Loans 60+ days delinquent ÷ total loans: 1.82%
Earnings100/100
Return on assets (annualized): 2.04%
Funding & liquidity100/100
Loans ÷ shares: 43.3% · 2.0% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.54%

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 9 points (85 → 76), mostly because the loan quality component weakened by 60 points.

TellerScore
738086Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202476
Q4 202478
Q1 202582
Q2 202585
Q3 202581
Q4 202586
Q1 202678
Q2 202676
Net worth ratio
7.00%9.70%12.40%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.77%
Q3 202410.41%
Q4 202410.61%
Q1 202510.78%
Q2 202511.16%
Q3 202511.76%
Q4 202512.02%
Q1 202611.48%
Q2 202612.40%
Delinquent loans (60+ days)
0.03%0.93%1.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.10%
Q3 20240.09%
Q4 20240.08%
Q1 20250.03%
Q2 20250.04%
Q3 20250.66%
Q4 20250.19%
Q1 20260.29%
Q2 20261.82%
Return on assets
0.71%1.38%2.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.71%
Q3 20240.88%
Q4 20241.00%
Q1 20251.35%
Q2 20251.58%
Q3 20251.57%
Q4 20251.53%
Q1 20260.88%
Q2 20262.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$39.5M12.40%1.82%2.04%43.3%
Q1 202678$39.9M11.48%0.29%0.88%42.1%
Q4 202586$33.5M12.02%0.19%1.53%42.7%
Q3 202581$33.2M11.76%0.66%1.57%42.5%
Q2 202585$33.9M11.16%0.04%1.58%39.9%
Q1 202582$33.6M10.78%0.03%1.35%40.0%
Q4 202478$33.1M10.61%0.08%1.00%40.1%
Q3 202476$32.6M10.41%0.09%0.88%40.3%
Q2 202473$33.8M9.77%0.10%0.71%36.8%

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 ratio12.40%
35th
Problem loans1.82%
24th
Net charge-offs0.01%
67th
Return on assets2.04%
94th
Loans to deposits43.3%
73rd
Uninsured deposits2.0%
45th
Loan-loss reserves0.00%
37th
Texas ratio5.5%
27th

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Louisville Federal Credit UnionCredit union Louisville, KY81 out of 100, Strong$37.2M20.1%0.84%vs
Northern Kentucky Federal Credit UnionCredit union Highland Height, KY91 out of 100, Very strong$43.1M14.0%0.29%vs
Audubon Federal Credit UnionCredit union Owensboro, KY63 out of 100, Moderate$34.4M9.0%1.00%vs
Louisville Gas and Electric Company Credit UnionCredit union Louisville, KY82 out of 100, Strong$50.4M15.5%0.87%vs
Labor Management Federal Credit UnionCredit union Lewisport, KY70 out of 100, Strong$28.4M14.8%1.88%vs
Metro Plus Credit UnionCredit union Lexington, KY76 out of 100, Strong$50.9M13.1%0.40%vs

Deposit insurance

Is my money safe at Whitesville Community Credit Union?

Yes. Whitesville Community Credit Union is a federally insured credit union (NCUA charter #62432). 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 2.0% of shares and deposits ($693K) 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 12.40%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Whitesville Community Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Whitesville Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62432
RSSD ID
641793
Primary regulator
State + NCUA
Established
1962
Headquarters
P O Box 83, Whitesville, KY 42378
Employees
9

Quick answers

Whitesville Community Credit Union: common questions

Is Whitesville Community Credit Union NCUA insured?

Yes. Whitesville Community Credit Union is a federally insured credit union (NCUA charter #62432). 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 Whitesville Community Credit Union's TellerScore?

76 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 Whitesville Community Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Whitesville

InstitutionScoreAssetsCapitalProblem loansCompare
Green River Area Federal Credit UnionCredit union Owensboro, KY89 out of 100, Very strong$60.3M20.7%0.53%vs
Owensboro Federal Credit UnionCredit union Owensboro, KY88 out of 100, Very strong$88.3M14.2%0.26%vs
Commonwealth Community Bank, Inc.Bank Hartford, KY83 out of 100, Strong$157.7M14.7%0.24%vs
Daviess County Teachers Federal Credit UnionCredit union Owensboro, KY82 out of 100, Strong$75.3M12.5%0.49%vs
Freedom BankBank Huntingburg, IN82 out of 100, Strong$585.7M12.6%0.23%vs
The Cecilian BankBank Cecilia, KY77 out of 100, Strong$1.6B11.0%0.40%vs