ARH Federal Credit Union

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

ARH Federal Credit Union is headquartered in MIDDLESBORO and is the 41st largest credit union in the state of Kentucky. It is also the 3,640th largest credit union in the nation. It was established in 1971 and as of June of 2019, it had grown to 9 employees and 4,384 members at 1 location. ARH Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees, doctors, medical staff and technicians of Appalachian Regional Hospitals and related medical affiliates who work in Kentucky, Virginia and West Virginia; and those who live, work, attend school or worship in Bell County.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. ARH Federal Credit Union has a low asset base.

Health Grade Components

NCUA #20438
Year Chartered1971
Primary Regulator
Profit Margin
Return on Assets - YTD1.88%
Return on Equity - YTD8.18%
Annual Interest Income$498.00K
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$14.9MM$12.9MM
LoansQ2 2019vs Q2 2018$11.8MM$9.2MM
DepositsQ2 2019vs Q2 2018$11.4MM$9.1MM
Equity CapitalQ2 2019vs Q2 2018$3.4MM$3.1MM
Loan Loss AllowanceQ2 2019vs Q2 2018$174.00K$85.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$214.00K$215.00K
Real Estate OwnedQ2 2019vs Q2 2018$0$0

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

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