Paducah, Kentucky · Peer group 3
W B H Employees Credit Union
W B H Employees Credit Union holds $17.0M in assets across 2,315 members as of Q1 2026 — about $7K of assets per member, on a charter dating to 1955. Charter number 10274, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $17.0M |
|---|---|
| Total loans | $7.4M |
| Total shares (deposits) | $14.6M |
| Net worth | $2.3M |
| Members | 2,315 |
| Assets per member | $7K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -0.7% | |
|---|---|---|
| Loans | -19.4% | lower than 97% of its peer group |
| Deposits | 1.6% | around the 52nd percentile of its peer group |
| Members | 2.9% | around the 89th 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 | 50.3% | around the 38th percentile of its peer group |
|---|---|---|
| Net worth ratio | 13.8% | around the 51st percentile of its peer group |
| Return on assets | -2.12% | lower than 97% of its peer group |
| Delinquency ratio | 0.71% | around the 56th percentile of its peer group |
| Cash / assets | 23.5% | around the 89th percentile 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 W B H Employees 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
- Brown-Forman Employees Credit Union
LOUISVILLE, KY
$14.3M · 1,303 members
- Arh Credit Union
MIDDLESBORO, KY
$20.0M · 3,700 members
- Bluegrass Community Credit Union
Ashland, KY
$12.7M · 1,861 members
- Kraftcor Credit Union
Hawesville, KY
$12.5M · 1,157 members
- Doe Run Credit Union
BRANDENBURG, KY
$12.1M · 1,523 members
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