Ashland, Kentucky · Peer group 5
Members Choice Credit Union
Members Choice Credit Union holds $425.8M in assets across 23,216 members as of Q1 2026 — about $18K of assets per member, on a charter dating to 1932. Charter number 62026, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $425.8M |
|---|---|
| Total loans | $288.9M |
| Total shares (deposits) | $384.1M |
| Net worth | $35.4M |
| Members | 23,216 |
| Assets per member | $18K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 5.5% | |
|---|---|---|
| Loans | 6.5% | around the 71st percentile of its peer group |
| Deposits | 3.4% | around the 53rd percentile of its peer group |
| Members | -3.9% | around the 16th 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 | 75.2% | around the 56th percentile of its peer group |
|---|---|---|
| Net worth ratio | 8.3% | lower than 95% of its peer group |
| Return on assets | 0.65% | around the 46th percentile of its peer group |
| Delinquency ratio | 0.62% | around the 51st percentile of its peer group |
| Cash / assets | 7.2% | around the 26th percentile of its peer group |
| Borrowings / assets | 1.8% | around the 86th percentile of its peer group |
What this page does not show
Everything above is Members Choice 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.
- Ashland Credit Union
ASHLAND, KY
$412.5M · 46,592 members
- Signet Credit Union
Paducah, KY
$389.6M · 20,688 members
- C-Plant Credit Union
PADUCAH, KY
$363.3M · 15,892 members
- Class Act Credit Union
Louisville, KY
$352.3M · 23,195 members
- Service One Credit Union
Bowling Green, KY
$270.8M · 17,671 members
- Members Heritage Credit Union
Lexington, KY
$583.6M · 54,828 members
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