Federal credit union · CHARLESTON, West Virginia · NCUA charter #12922
CHARLESTON
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $14.9M
- Total assets
- 1,258
- Members
- 14.5%
- Net-worth ratio
CHARLESTON scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.9M; members 1,258; net-worth ratio 14.55%; health rank #85 of 4,374; healthier than 97th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#85 of 4,374 health · 2025Q4CHARLESTON · health 98/100 · $14.9M · 2025Q4
Call Report peers
CHARLESTON in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CHARLESTON vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CHARLESTON sits in 95-99 with 391 others.
98 Top 3% higher than 97% 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 CHARLESTON
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +17.86 pp (77.66% vs 59.80%).
- Largest lag: Net Worth Ratio at 14.55% vs peer 14.86% (-0.31 pp).
West Virginia standing for CHARLESTON
- West Virginia health ordinal: #1 of 74.
- West Virginia assets place: #46 of 74.
- Member book place in West Virginia: #51 of 74.
- No West Virginia credit union scores higher; the runner-up, Eagle Can Employees (#2) scores 95/100, 3 points lower.
CHARLESTON Call Report trajectory
CHARLESTON: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $14.9M (2025Q4) to $15.3M (2026Q1).
- Net-worth ratio shifted -0.04 pp (14.59% → 14.55%).
At 14.55%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 98/100 score is built
CHARLESTON gives up 2 points in total. Member Growth costs the most, 1.5 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.8 pts
- Return on Assets 15.0 pts
- Member Growth 13.5 pts
- Loan-to-Share Ratio 14.7 pts
Call Report ratios for CHARLESTON
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.55% | -0.31 pp |
| Delinquency Rate | 0.52% | -0.63 pp |
| Return on Assets | 1.18% | +0.47 pp |
| Member Growth | 3.71% | - |
| Loan-to-Share Ratio | 77.66% | +17.86 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - CHARLESTON
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $15.3M | - |
| 2025Q4 | $14.9M | 1,258 |
| 2024Q4 | $13.7M | 1,213 |
| 2023Q4 | $13.0M | 1,277 |
Credit Union Details
- Charter Number
- 12922
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- CHARLESTON
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for CHARLESTON.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | CHARLESTON, 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.
CHARLESTON nationwide neighbourhoods
Using this data
- CHARLESTON ranks #85 of 4,374 nationally on financial health and #1 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- South Charleston Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with South Charleston Employees
Frequently Asked Questions
Is CHARLESTON financially healthy?
CHARLESTON has a financial health score of 98/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #85 of 4,374 nationally on health and #1 of 74 in West Virginia. Its net worth ratio is 14.55% and its delinquency rate 0.52%.
How does CHARLESTON compare to other credit unions?
CHARLESTON scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (77.66% vs 59.80%). Its widest shortfall is net worth ratio (14.55% vs 14.86%).
How can I join CHARLESTON?
CHARLESTON serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact CHARLESTON directly for the current list of qualifying groups.
Is my money safe at CHARLESTON?
CHARLESTON 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. CHARLESTON's net worth ratio of 14.55% 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.