MEMBERS CHOICE
State-Chartered • ASHLAND, Kentucky • Est. 1932
Quick Facts
- Charter Number
- #62026
- Type
- State-Chartered
- Established
- 1932
- Headquarters
- ASHLAND, Kentucky 41101
- Address
- 145 RUSSELL RD
- Branches
- 8
- ATMs
- 3
- Members
- 23,228
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
23,228 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MEMBERS CHOICE |
|---|---|
| Total Assets | $422.1M |
| Members | 23,228 |
| Loans Outstanding | $288.4M |
| Shares & Deposits | $374.9M |
| Net Worth | $34.7M |
| Net Worth Ratio | 8.22% |
| Loan-to-Share Ratio | 76.9% |
| Delinquency Rate | 0.73% |
| Net Income | +$4,260,923 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
8 locations · 3 ATMs
Cannonsburg Office
1315 CANNONSBURG RD
ASHLAND, KY 41102
RUSSELL ROAD OFFICE
Main Office145 RUSSELL RD
ASHLAND, KY 41101
CANNONSBURG OFFICE
1315 CANNONSBURG RD
ASHLAND, KY 41102
Central Office
1401 Central Ave
Ashland, KY 41101-7551
Bellefonte Office
800 Saint Christopher Dr Ste 2
Ashland, KY 41101-7030
Who Can Join MEMBERS CHOICE?
Membership Type: Community
Membership eligibility for MEMBERS CHOICE may vary. Contact the credit union directly to confirm qualification requirements.
Contact MEMBERS CHOICE 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. MEMBERS CHOICE 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, MEMBERS CHOICE has 23,228 members and a potential membership field of 640,000 people.
MEMBERS CHOICE's net worth ratio is 8.22% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 8.2%, MEMBERS CHOICE meets this threshold.
MEMBERS CHOICE operates 8 branch locations and has access to 3 ATMs. The main office is located at 145 RUSSELL RD, ASHLAND, KY 41101.
MEMBERS CHOICE was established in 1932. It is a state-chartered credit union chartered under charter number 62026. The institution has been serving members for 94 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MEMBERS CHOICE. All financial data is for informational purposes only.