Federal credit union · HUNTINGTON, West Virginia · NCUA charter #1463
Appalachian Power Employees
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $5.4M
- Total assets
- 838
- Members
- 24.4%
- Net-worth ratio
Appalachian Power Employees scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.4M; members 838; net-worth ratio 24.44%; health rank #3,576 of 4,374; healthier than 17th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,576 of 4,374 health · 2025Q4Appalachian Power Employees · health 70/100 · $5.4M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Appalachian Power Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Appalachian Power Employees sits in 70-74 with 317 others.
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Appalachian Power Employees
- Largest favorable gap: Loan-to-Share Ratio at 84.35% vs peer 63.60% (+20.75 pp).
- Largest lag: Delinquency Rate at 2.78% vs peer 1.81% (+0.97 pp).
Appalachian Power Employees in West Virginia
- West Virginia health ordinal: #58 of 74.
- Assets rank #65 of 74 inside West Virginia ($5.4M reported).
- West Virginia membership ordinal: #58 of 74.
- One place up in West Virginia, The United (#57) ties at 70/100; one place down, United Hospital Center (#59) ties at 70/100.
Appalachian Power Employees Call Report trajectory
Appalachian Power Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.4% from $5.4M (2025Q4) to $5.6M (2026Q1).
- Net-worth ratio shifted -0.75 pp (25.19% → 24.44%).
24.44% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 70/100 score is built
Appalachian Power Employees gives up 30 points in total. Delinquency Rate costs the most, 17.4 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 7.6 pts
- Return on Assets 13.0 pts
- Member Growth 4.6 pts
- Loan-to-Share Ratio 14.8 pts
Appalachian Power Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.44% | +5.38 pp |
| Delinquency Rate | 2.78% | +0.97 pp |
| Return on Assets | 0.37% | -0.08 pp |
| Member Growth | -2.44% | - |
| Loan-to-Share Ratio | 84.35% | +20.75 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Appalachian Power Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.6M | - |
| 2025Q4 | $5.4M | 838 |
| 2024Q4 | $5.5M | 859 |
| 2023Q4 | $5.9M | 885 |
Credit Union Details
- Charter Number
- 1463
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- West Virginia
- City
- HUNTINGTON
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Appalachian Power Employees.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | HUNTINGTON, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
More federally-insured credit unions based in West Virginia, ordered by peer group match and asset size.
- OHIO COUNTY PUBLIC SCHOOLSWHEELING, WV · $2M–$10M81Health
- C C M HParkersburg, WV · $2M–$10M86Health
- HUNTINGTON WEST VA FIREMENSHuntington, WV · $2M–$10M85Health
- CHARLESTON POSTALCHARLESTON, WV · $2M–$10M67Health
- TWIN OAKSApple Grove, WV · $2M–$10M88Health
Compare Appalachian Power Employees vs OHIO COUNTY PUBLIC SCHOOLS
Nationwide credit unions with similar profiles
Using this data
- Appalachian Power Employees ranks #3,576 of 4,374 nationally on financial health and #58 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ohio County Public Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ohio County Public Schools
Frequently Asked Questions
Is Appalachian Power Employees financially healthy?
Appalachian Power Employees has a financial health score of 70/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,576 of 4,374 nationally on health and #58 of 74 in West Virginia. Its net worth ratio is 24.44% and its delinquency rate 2.78%.
How does Appalachian Power Employees compare to other credit unions?
Appalachian Power Employees scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (84.35% vs 63.60%). Its widest shortfall is delinquency rate (2.78% vs 1.81%).
How can I join Appalachian Power Employees?
Appalachian Power Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Appalachian Power Employees directly for the exact boundaries and application steps.
Is my money safe at Appalachian Power Employees?
Appalachian Power Employees is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Appalachian Power Employees's net worth ratio of 24.44% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.