Sep, 30, 2025 — ARH FEDERAL CREDIT UNION is a federal credit union headquartered in MIDDLESBORO, KY with 1 branch location and about $18.96 million in total assets. Opened 55 years ago in 1971, ARH FEDERAL CREDIT UNION has about 3,656 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ARH FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 3805 CUMBERLAND AVE MIDDLESBORO, KY 40965 |
| Phone: | (606) 248-8566 |
| Fax: | (606) 248-7716 |
| Website: | https://www.arhfcu.org |
| Branches: | 1 branch locations |
| Members: | 3,656 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 20438 |
|---|---|
| Membership Type: | Multiple common bond - Primarily health care |
| Corporate Credit Union: | No |
| Year Opened: | 1971 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $18,963,298 |
| CEO/Manager: | KIM D HELTON |
| Chairperson: | MICHEAL JUSTICE |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 6,362,372 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 3,548,670 |
| Unsecured Loans | 1,413,883 |
| Other Loans | 5,654,866 |
| TOTAL LOANS | 10,617,419 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -201,658 |
| Land And Building | 1,848,813 |
| Other Fixed Assets | 39,384 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 134,993 |
| All Other Assets | 0 |
| TOTAL ASSETS | 18,963,298 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 103,850 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 2,055,356 |
| Regular shares | 9,325,552 |
| All Other Shares & Deposits | 2,308,389 |
| TOTAL SHARES & DEPOSITS | 13,689,297 |
| TOTAL LIABILITIES | 13,793,147 |
| Regular Reserve | 0 |
| Other Reserves | 583,774 |
| Undivided Earnings | 4,586,377 |
| TOTAL EQUITY | 5,170,151 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 18,963,298 |
| INCOME & EXPENSE | |
| Loan Income | 639,252 |
| Investment Income | 145,135 |
| Other Income | 143,274 |
| Total Employee Compensation & Benefits | 279,315 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 492,498 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 70,824 |
| Cost of Funds | 103,250 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 154,187 |
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