ARH
Charter #20438 · MIDDLESBORO, KY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,700 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 26.47% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.18% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.35% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 52nd — a 32-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ARH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $19.98M | 35th pct | 43th pct |
| Members | 3,700 | 87th pct | 75th pct |
| Net worth ratio | 26.47% | 96th pct | 85th pct |
| Return on average assets | 0.93% | 65th pct | 57th pct |
| Net interest margin | 5.18% | 94th pct | 87th pct |
| Cost of funds | 0.52% | 34th pct | 28th pct |
| Loan-to-share | 79.97% | 84th pct | 52th pct |
| Delinquency 60+ days | 0.98% | 68th pct | 59th pct |
| Net charge-off ratio | -0.35% | 3th pct | 5th pct |
| Loan growth YoY | 9.91% | 98th pct | 98th pct |
| Share growth YoY | 6.60% | 84th pct | 72th pct |
| Efficiency ratio | 81.44% | 53th pct | 59th pct |
structural peer set hash: 3049996aebb1cdd3087824e44a6f4284… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.