RURAL COOPERATIVES Credit Union Profile

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RURAL COOPERATIVES

Charter #61693 | NCUA Region 2 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (800) 798-7228

Fax: (502) 456-4336

Founding Date: N/A

Website: http://www.rccu.com

Personnel & Operations

President: Phelps, Jennie

Manager: Bischoff, Larry

FT Employees: 10

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 2

Hours: M-F 8:30 AM - 4:00 PM EST

Credit Union Profile Summary

RURAL COOPERATIVES is a FISCU Credit Union. With a total of 3,206 members [1], this institution manages approximately $34,191,862 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 13% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -13.08% [1].

Financial Snapshot

Total Assets [1]
$34,191,862

Total economic resources.

Total Loans [1]
$10,892,853

Total value of outstanding loans.

Total Deposits [1]
$29,624,365

Total funds deposited by members.

Members [1]
3,206

Number of active members.

Performance Ratios

Net Worth Ratio [1]
13%

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]
0.26%

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

Loan-to-Share Ratio [1]
36.77%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -1.34%

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

Loan Growth (4Q) [1]
↓ -13.08%

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

Member Growth (4Q) [1]
↓ -5.76%

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

Headquarters Location & Map

Headquarters Address

1630 Lyndon Farm Ct Ste 201

Louisville, KY, 40223
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 2 branches reported by RURAL COOPERATIVES (Charter #61693).

Main Office

Louisville Office Main Office

Type: Corporate Office

1630 Lyndon Farm Ct Ste 201

Louisville, KY 40223

Phone: (800) 798-7228

Services: Member Services

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Additional Branches

Drakesboro

Paradise Office

Type: Branch Office

13246 State Route 176

Drakesboro, KY 42337

Phone: (270) 476-4484

Services: Member Services

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