Federal credit union · Clarksburg, West Virginia · NCUA charter #24841
CAPE
Health score 47/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 47
- Health / 100
- $16.2M
- Total assets
- 1,184
- Members
- 8.2%
- Net-worth ratio
CAPE scores 47/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.2M; members 1,184; net-worth ratio 8.20%; health rank #4,301 of 4,374; healthier than 2nd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,301 of 4,374 health · 2025Q4CAPE · health 47/100 · $16.2M · 2025Q4
- PHOTO 47/100
- BOOK 8.2%
- CHARTER 3.12%
- NCUSIF -0.14%
- CAMELS $16.2M
- HEALTH 1,184
- NW #4,301/4,374
- DELQ The Wright
- ROA 24841
Call Report peers
CAPE in the assets neighbourhood
CAPE's $16.2M assets sit next to The Wright ($16.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CAPE 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
47 2nd percentile higher than 2% 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
CAPE - Share Insurance Coverage
Charter #24841'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.
Where CAPE diverges from peer averages
- Widest shortfall vs peers is Loan-to-Share Ratio: -24.50 pp (35.30% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
CAPE: in-state Call Report ranks
- In West Virginia, health place is #73 of 74 on the same NCUA-ratio sort used nationally.
- By total assets, CAPE is #44 of 74 in West Virginia.
- Member book place in West Virginia: #55 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.
How CAPE's 5300 filing moved
CAPE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.9% from $16.2M (2025Q4) to $15.7M (2026Q1).
- Net-worth ratio shifted +0.39 pp (7.81% → 8.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.20%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 47/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 47.
- Net Worth Ratio 25.5 pts
- Delinquency Rate 5.5 pts
- Return on Assets 3.2 pts
- Member Growth 3.8 pts
- Loan-to-Share Ratio 9.0 pts
Call Report ratios for CAPE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.20% | -6.66 pp |
| Delinquency Rate | 3.12% | +1.98 pp |
| Return on Assets | -0.14% | -0.85 pp |
| Member Growth | -2.87% | - |
| Loan-to-Share Ratio | 35.30% | -24.50 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $15.7M | - |
| 2025Q4 | $16.2M | 1,184 |
| 2024Q4 | $15.2M | 1,219 |
| 2023Q4 | $16.3M | 1,245 |
Credit Union Details
- Charter Number
- 24841
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- Clarksburg
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, CAPE runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Clarksburg, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
Other federally-insured credit unions in West Virginia, closest first by peer group and asset size.
Other-state peers near CAPE
Cross-state asset and health neighbours for CAPE - kept outside West Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($16.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (47/100 here).
Using this data
- CAPE ranks #4,301 of 4,374 nationally on financial health and #73 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Martinsburg V.a. Center is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Martinsburg V.a. Center
- 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 CAPE financially healthy?
Yes/no aside, the number is 47/100 (Below Average) - CAPE's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,301 of 4,374; by total assets it ranks #3,279 of 4,374 nationally (same basis as /rankings/largest); and #44 of 74 within West Virginia. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.20% net worth ratio and 3.12% delinquency rate are the key drivers.
How does CAPE compare to other credit unions?
Five weighted metrics from NCUA filings produce CAPE's 47/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 CAPE?
CAPE 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 CAPE directly for the exact boundaries and application steps.
Is my money safe at CAPE?
Federal credit unions like CAPE 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. CAPE's net worth ratio of 8.20% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CAPE offer compared to banks?
Credit unions like CAPE 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 CAPE 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.