Sep, 30, 2025 — MEMBERS HERITAGE CREDIT UNION is a federally insured state chartered credit union headquartered in LEXINGTON, KY with 5 branch locations and about $558.50 million in total assets. Opened 66 years ago in 1960, MEMBERS HERITAGE CREDIT UNION has about 54,565 members and employs 91 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | MEMBERS HERITAGE CREDIT UNION |
|---|---|
| Address: (Main Office) | 440 Park Pl LEXINGTON, KY 40511-1829 |
| Phone: | (859) 259-3466 |
| Fax: | (859) 455-7281 |
| Website: | https://www.membersheritage.org |
| Branches: | 5 branch locations |
| Members: | 54,565 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68661 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1960 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $558,500,664 |
| CEO/Manager: | Pat Ferry |
| Chairperson: | Mike Proctor |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 131,695,773 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 159,845,252 |
| Unsecured Loans | 18,321,232 |
| Other Loans | 183,719,948 |
| TOTAL LOANS | 361,886,432 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -3,183,170 |
| Land And Building | 3,927,158 |
| Other Fixed Assets | 2,674,940 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 4,601,748 |
| All Other Assets | 0 |
| TOTAL ASSETS | 558,500,664 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 3,531,960 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 93,893,907 |
| Regular shares | 162,512,095 |
| All Other Shares & Deposits | 228,681,360 |
| TOTAL SHARES & DEPOSITS | 485,087,362 |
| TOTAL LIABILITIES | 488,619,322 |
| Regular Reserve | 0 |
| Other Reserves | 2,160,799 |
| Undivided Earnings | 67,720,543 |
| TOTAL EQUITY | 69,881,342 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 558,500,664 |
| INCOME & EXPENSE | |
| Loan Income | 15,611,153 |
| Investment Income | 5,509,250 |
| Other Income | 1,278,728 |
| Total Employee Compensation & Benefits | 5,663,015 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 7,686,453 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,100,000 |
| Cost of Funds | 6,237,176 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,628,378 |
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