Charter 68661 · Lexington, KY
Members Heritage Credit Union
Members Heritage Credit Union is a state-chartered credit union in Lexington, Kentucky, with $591 million in assets and 55,277 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.39%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as MHCU.
- Total assets
- $591 million
- +5.6% in a year
- Members
- 55,277
- +0.5% in a year
- Net worth ratio
- 12.39%
- Peer median 10.79%
- Loans 60+ days late
- 0.92%
- Peer median 0.67%
- Loans outstanding
- $376 million
- +4.0% in a year
- Shares and deposits
- $516 million
- +5.6% in a year
- Branches
- 5
- 96 employees
- Opened
- 1960
- Kentucky charter
How Members Heritage Credit Union compares
NCUA groups credit unions by size; Members Heritage Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 12.39% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.92%, is higher than the group median of 0.67%. Loans grew 4.0% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 6 of 51 credit unions headquartered in Kentucky. See all Kentucky credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $591 million | 55,277 | $376 million | 12.39% | 0.92% |
| Q1 2026 | $584 million | 54,828 | $369 million | 12.32% | 0.54% |
| Q4 2025 | $564 million | 54,440 | $364 million | 12.69% | 0.41% |
| Q3 2025 | $559 million | 54,565 | $362 million | 12.63% | 0.36% |
| Q2 2025 | $560 million | 54,997 | $361 million | 12.32% | 0.34% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 955,338 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 5 sites for Members Heritage Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Park Place (main office)
440 Park Pl, Lexington, KY 40511 - Members Way Branch
2420 Members Way, Lexington, KY 40504 - Pimlico Branch
3202 Custer Dr, Lexington, KY 40517 - Winchester Branch
339 Shoppers Dr, Winchester, KY 40391 - Nicholasville Branch
1039 N Main St, Nicholasville, KY 40356
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology