Credit union · NCUA insured
WBH Federal Credit Union
A $17M credit union headquartered in Paducah, KY, with 2,315 members and 1 branch in Kentucky. Best rates: CDs 3.00% and savings 0.30% APY.
WBH Federal Credit Union Carrot Score
70
Carrot Score
Higher than 26% of U.S. banks and credit unions
#5 of 8 in Paducah, KY-IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About WBH Federal Credit Union
Operating since 1955, WBH Employees Federal Credit Union is a member-owned financial cooperative based in Paducah, Kentucky.
- Headquarters
- 2501 Broadway St, Paducah, KY 42001
- NCUA charter
- 10274
Branches
1 branch in Kentucky
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Kentucky
1 branch
- WBH Federal Credit UnionMain office2501 Broadway St, Paducah, KY 42001Directions
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 | 12.98% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.05% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -1.80% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $48 | $59 | — |
- CapitalNet worth ratio12.98%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.05%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-1.80%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$48Peers’ 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 WBH Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.