ARH Credit Union Profile

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ARH

Charter #20438 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (606) 248-8566

Fax: (606) 248-7716

Founding Date: N/A

Website: http://www.arhfcu.org

Personnel & Operations

President: JUSTICE, MICHEAL

Manager: HELTON, KIM

FT Employees: 6

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 51

Branches: 1

Hours: 7:30 AM - 4:00 PM MON-THURSDAY 7:30 AM - 6:

Credit Union Profile Summary

ARH is a FCU Credit Union. With a total of 3,619 members [1], this institution manages approximately $20,176,217 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 25.25% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 0.94% [1].

Financial Snapshot

Total Assets [1]
$20,176,217

Total economic resources.

Total Loans [1]
$10,418,210

Total value of outstanding loans.

Total Deposits [1]
$14,832,668

Total funds deposited by members.

Members [1]
3,619

Number of active members.

Performance Ratios

Net Worth Ratio [1]
25.25%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.80%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
70.24%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
5.17%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
0.94%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-4.26%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

3805 CUMBERLAND AVE

MIDDLESBORO, KY, 40965

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by ARH (Charter #20438).

Main Office

ARH FEDERAL CREDIT UNION Main Office

Type: Corporate Office

3805 CUMBERLAND AVE

Middlesboro, KY 40965-2601

Phone: (606) 248-8566

Services: Member Services, Drive-Thru

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