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
- HEALTH 70/100
- NW 24.4%
- DELQ 2.78%
- ROA 0.37%
- ASSETS $5.4M
- MEM 838
- RANK #3,576/4,374
- PHOTO n/a
- BOOK 1463
Call Report peers
Appalachian Power Employees carries $5.4M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Appalachian Power Employees - Share Insurance Coverage
Charter #1463's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Appalachian Power Employees Call Report trajectory
Appalachian Power Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.4% from $5.4M (2025Q4) to $5.6M (2026Q1).
- Net-worth ratio shifted -0.75 pp (25.19% → 24.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Two NCUA Call Report peer sets for Appalachian Power Employees, both outside West Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
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
- Rates and health both vary by institution, not just by state -- see how West Virginia credit unions compare overall before assuming this one is typical. West Virginia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Appalachian Power Employees financially healthy?
Appalachian Power Employees scores 70/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,576 of 4,374; by total assets it ranks #3,853 of 4,374 nationally (same basis as /rankings/largest); and #65 of 74 within West Virginia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 24.44% net worth ratio and a 2.78% delinquency rate.
How does Appalachian Power Employees compare to other credit unions?
On PlainCU's health composite, Appalachian Power Employees lands at 70/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Appalachian Power Employees are 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."
What rates does Appalachian Power Employees offer compared to banks?
Credit unions like Appalachian Power Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Appalachian Power Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.