MOREHEAD COMMUNITY
Federal • Morehead, Kentucky • Est. 1978
Quick Facts
- Charter Number
- #23070
- Type
- Federal
- Established
- 1978
- Headquarters
- Morehead, Kentucky 40351
- Address
- 503 West Main St.
- Branches
- 1
- ATMs
- 1
- Members
- 4,399
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
4,399 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MOREHEAD COMMUNITY |
|---|---|
| Total Assets | $62.8M |
| Members | 4,399 |
| Loans Outstanding | $28.2M |
| Shares & Deposits | $54.4M |
| Net Worth | $8.2M |
| Net Worth Ratio | 13.12% |
| Loan-to-Share Ratio | 51.8% |
| Delinquency Rate | 0.16% |
| Net Income | +$1,112,819 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location · 1 ATMs
503 West Main
Main Office503 W Main St
Morehead, KY 40351-1539
Who Can Join MOREHEAD COMMUNITY?
Membership Type: Other/Unknown
Membership eligibility for MOREHEAD COMMUNITY may vary. Contact the credit union directly to confirm qualification requirements.
Contact MOREHEAD COMMUNITY 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. MOREHEAD COMMUNITY 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, MOREHEAD COMMUNITY has 4,399 members and a potential membership field of 383,030 people.
MOREHEAD COMMUNITY's net worth ratio is 13.12% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.1%, MOREHEAD COMMUNITY meets this threshold.
MOREHEAD COMMUNITY operates 1 branch location and has access to 1 ATMs. The main office is located at 503 W Main St, Morehead, KY 40351-1539.
MOREHEAD COMMUNITY was established in 1978. It is a federal credit union chartered under charter number 23070. The institution has been serving members for 48 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MOREHEAD COMMUNITY. All financial data is for informational purposes only.