Federal credit union · CHARLESTON, West Virginia · NCUA charter #12922
Charleston
Health score 98/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $14.9M
- Total assets
- 1,258
- Members
- 13.5%
- Net-worth ratio
Charleston - Share Insurance Coverage
Charter #12922'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.
Charleston - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)99
- Earnings (ROA)100
- Member growth90
- Liquidity (loan-to-share)100
Weighted composite: 98/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.47%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.47% | 30% |
| Delinquency Rate | 0.52% | 25% |
| Return on Assets | 1.18% | 15% |
| Member Growth | 3.71% | 15% |
| Loan-to-Share Ratio | 77.66% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Charleston
The five-factor composite scores Charleston at 98/100 (Excellent), reflecting a net worth ratio of 13.47% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in CHARLESTON, West Virginia, reports 1,258 members, $14.9M in total assets, and $9.9M in outstanding loans as of Q4 2025 under charter #12922 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
0.52% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 77.66% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.18% on net income of $175K 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 3.71%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Multiple Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in West Virginia
More federally-insured credit unions based in West Virginia, ordered by peer group match and asset size.
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 Charleston financially healthy?
Charleston has a financial health score of 98/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.47% and delinquency rate of 0.52%.
How does Charleston compare to other credit unions?
Five weighted metrics from NCUA filings produce Charleston's 98/100 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 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?
Federal credit unions like Charleston 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. Charleston's net worth ratio of 13.47% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Charleston offer compared to banks?
Credit unions like Charleston 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 Charleston 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.