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
- CHARTER 98/100
- NCUSIF 14.5%
- CAMELS 0.52%
- HEALTH 1.18%
- NW $14.9M
- DELQ 1,258
- ROA #85/4,374
- ASSETS Brown-Forman Employees
- MEM 12922
Call Report peers
CHARLESTON in the assets neighbourhood
CHARLESTON's $14.9M assets sit next to Brown-Forman Employees ($14.9M) 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.
CHARLESTON 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
98 Top 3% higher than 97% 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
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.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
CHARLESTON Call Report trajectory
CHARLESTON: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $14.9M (2025Q4) to $15.3M (2026Q1).
- Net-worth ratio shifted -0.04 pp (14.59% → 14.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- 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 |
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).
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
Two NCUA Call Report peer sets for CHARLESTON, both outside West Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($14.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
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
- 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 CHARLESTON financially healthy?
CHARLESTON has a financial health score of 98/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #85 of 4,374; by total assets it ranks #3,328 of 4,374 nationally (same basis as /rankings/largest); and #46 of 74 within West Virginia. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.55% 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 14.55% 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.
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.