Arh

MIDDLESBORO, KY · 1 · Charter #20438 · www.arhfcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$18.6M
60th percentile
Members
3,666
92th percentile
Total loans
$11.2M
69th percentile
Total shares
$13.3M
55th percentile

Profitability

Return on assets
1.70%
84th percentile
Net interest margin
5.03%
83th percentile
Efficiency ratio
70.36%
42th percentile
Non-interest income ratio
28.40%
93th percentile

Capital & Risk

Net worth ratio
28.13%
91th percentile
Delinquency rate
2.47%
20th percentile
Net charge-off rate
0.66%
26th percentile
Loan-to-share
84.63%
82th percentile

Growth

Member growth YoY
-3.17%
31th percentile
Asset growth YoY
-0.07%
41th percentile
Loan growth YoY
10.48%
90th percentile
Share growth YoY
-1.64%
37th percentile

Operations

Members / branch
3,666
96th percentile
Assets / member
$5,077
17th percentile
Field of membership penetration
24.44%
37th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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