Middlesboro, Kentucky · Peer group 3
Arh Credit Union
Arh Credit Union holds $20.0M in assets across 3,700 members as of Q1 2026 — about $5K of assets per member, on a charter dating to 1971. Charter number 20438, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $20.0M |
|---|---|
| Total loans | $11.7M |
| Total shares (deposits) | $14.6M |
| Net worth | $5.3M |
| Members | 3,700 |
| Assets per member | $5K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 3.4% | |
|---|---|---|
| Loans | 22.4% | higher than 99% of its peer group |
| Deposits | 3.7% | around the 69th percentile of its peer group |
| Members | -2.1% | around the 40th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 80.0% | around the 84th percentile of its peer group |
|---|---|---|
| Net worth ratio | 26.5% | higher than 96% of its peer group |
| Return on assets | 0.90% | around the 64th percentile of its peer group |
| Delinquency ratio | 0.98% | around the 67th percentile of its peer group |
| Cash / assets | 31.9% | higher than 96% of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Arh Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Kentucky — the comparison set a peer ratio is measured against.
- Old Kentucky Home Credit Union
BARDSTOWN, KY
$19.6M · 2,251 members
- K I T Credit Union
Louisville, KY
$22.4M · 1,844 members
- W B H Employees Credit Union
Paducah, KY
$17.0M · 2,315 members
- Main Impact Credit Union
Murray, KY
$23.9M · 2,002 members
- Brown-Forman Employees Credit Union
LOUISVILLE, KY
$14.3M · 1,303 members
- Your Hometown Credit Union
Mayfield, KY
$27.1M · 1,641 members
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