Federal credit union · HUNTINGTON, West Virginia · NCUA charter #1463
Appalachian Power Employees
Health score 70/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $5.4M
- Total assets
- 838
- Members
- 25.2%
- Net-worth ratio
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.
Appalachian Power Employees - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)30
- Earnings (ROA)87
- Member growth31
- Liquidity (loan-to-share)100
Weighted composite: 70/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
25.19% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 25.19% | 30% |
| Delinquency Rate | 2.78% | 25% |
| Return on Assets | 0.37% | 15% |
| Member Growth | -2.44% | 15% |
| Loan-to-Share Ratio | 84.35% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Appalachian Power Employees
Headquartered in HUNTINGTON, West Virginia, Appalachian Power Employees is a federal credit union with 838 members, $5.4M in total assets, and $3.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 70/100 (Very Good), driven in part by a net worth ratio of 25.19% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #1463 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
2.78% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Deposit deployment is captured by the 84.35% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.37% on net income of $20K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.44%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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–$10M74Health
- CHARLESTON POSTALCHARLESTON, WV · $2M–$10M69Health
- TWIN OAKSApple Grove, WV · $2M–$10M88Health
Compare Appalachian Power Employees vs OHIO COUNTY PUBLIC SCHOOLS
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 25.19% 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 25.19% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.