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Overview / Commentary
3805 W. Cumberland Avenue
Middlesboro, KY 40965

Arh Credit Union is headquartered in MIDDLESBORO and is the 47th largest credit union in the state of Kentucky. It is also the 4,340th largest credit union in the nation. It was established in 1971 and as of March of 2014, it had grown to 6 employees and 4,039 members. Arh Credit Union has a B health rating.

Field of Membership Restrictions

Must live, work, worship or goes to school in Bell county or be an Appalachian Regional Hospital or related medical affiliate employee, doctor, medical staff or technician or be an employee of any of their Selected Employee Group (SEG). - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Arh Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Arh Credit Union had $49,000 in non-current loans and owned real-estate with $2.54 million in equity and loan loss allowances on hand to cover it. This gives Arh Credit Union a Texas Ratio of 1.93% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Arh Credit Union experienced no significant changes from 1.98% as of March 31, 2013 to 1.93% as of March 31, 2014, resulting in a positive change of 2.46%.This indicates that the balance sheet and financial strength for Arh Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Arh Credit Union has decreased its total deposits by $-95,000, resulting in -1.08% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Arh Credit Union has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Arh Credit Union has $11.26 million in assets with $2.54 million in equity, resulting in a capitalization level of 22.57%, which is excellent.

Institution Statistics

NCUA #20438
Year Chartered1971
Primary Regulator
Assets and Liabilities
Assets$11.26 million
Loans$4.41 million
Deposits$8.66 million
Equity Capital$2.47 million
Loan Loss Allowance$75,000
Unbacked Noncurrent Loans$49,000
Real Estate Owned$0
Historic Data - March 2013
Assets$11.19 million
Equity Capital$2.34 million
Loan Loss Allowance$90,000
Unbacked Noncurrent Loans$49,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.53%
Return on Assets1.14%
Return on Equity5.19%
Interest Income$113,000
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Arh Credit Union Savings Account Rates

0.10%--Christmas Club
0.10%--Education Sub-Share Account
0.10%--Impounds Sub-Share Account
0.10%--IRA Savings
0.10%--Misc Share Account
0.10%--Misc Sub-Share Account
0.10%--Regular Shares
0.10%--Taxes Sub-Share Account
0.10%--Vacation Club
0.10%--Insurance Sub-Share Account

Arh Credit Union Money Market Rates

0.10%$2,500-Investment Account

Arh Credit Union CD Rates

0.75%$1k-36 Month Share Certificate
0.75%$100k-36 Month Jumbo Share Certificate
0.50%$1k-24 Month Share Certificate
0.50%$100k-24 Month Jumbo Share Certificate
0.25%$1k-12 Month Share Certificate
0.25%$100k-12 Month Jumbo Share Certificate

Arh Credit Union Locations
Branch Office3805 CUMBERLAND AVEMIDDLESBORO, KY 40965-2601