Credit union · NCUA insured
Regional Medical Center EFCU
A $9.6M credit union headquartered in Madisonville, KY, with 1,329 members and 1 branch in Kentucky. Best rates: savings 0.50% APY.
Regional Medical Center EFCU Carrot Score
65
Carrot Score
Higher than 14% of U.S. banks and credit unions
#3 of 6 in Madisonville, KY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Regional Medical Center EFCU
Headquartered in Madisonville, Kentucky, the credit union was created to provide members with a safe option for saving and borrowing money at reasonable rates.
- Headquarters
- 200 Clinic Dr, Madisonville, KY 42431
- NCUA charter
- 21126
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of partner businesses are eligible for membership.
Family and household
- Relatives of credit union members are eligible for membership.
Branches
1 branch in Kentucky
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Kentucky
1 branch
- Main OfficeMain office200 Clinic Dr, Madisonville, KY 42431Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.95% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.25% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.13% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $63 | $59 | — |
- CapitalNet worth ratio13.95%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.25%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.13%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$63Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Regional Medical Center EFCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.