ARH
Federal • MIDDLESBORO, Kentucky • Est. 1971
Quick Facts
- Charter Number
- #20438
- Type
- Federal
- Established
- 1971
- Headquarters
- MIDDLESBORO, Kentucky 40965
- Address
- 3805 Cumberland Ave
- Branches
- 1
- ATMs
- 1
- Members
- 3,666
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Adequate financial health. Meets NCUA capital requirements with some metrics worth watching over time.
Financial Overview
Total Assets
Members
3,666 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ARH |
|---|---|
| Total Assets | $18.6M |
| Members | 3,666 |
| Loans Outstanding | $11.2M |
| Shares & Deposits | $13.3M |
| Net Worth | $5.2M |
| Net Worth Ratio | 28.13% |
| Loan-to-Share Ratio | 84.6% |
| Delinquency Rate | 2.47% |
| Net Income | +$316,553 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location · 1 ATMs
ARH FEDERAL CREDIT UNION
Main Office3805 CUMBERLAND AVE
MIDDLESBORO, KY 40965
Who Can Join ARH?
Membership Type: Community
Membership eligibility for ARH may vary. Contact the credit union directly to confirm qualification requirements.
Contact ARH directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Kentucky RankingsFrequently Asked Questions
Yes. ARH is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, ARH has 3,666 members and a potential membership field of 15,000 people.
ARH's net worth ratio is 28.13% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 28.1%, ARH meets this threshold.
ARH operates 1 branch location and has access to 1 ATMs. The main office is located at 3805 CUMBERLAND AVE, MIDDLESBORO, KY 40965.
ARH was established in 1971. It is a federal credit union chartered under charter number 20438. The institution has been serving members for 55 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ARH. All financial data is for informational purposes only.