Federal credit union · CHARLESTON, West Virginia · NCUA charter #24743
Charleston Postal
Health score 69/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $4.9M
- Total assets
- 664
- Members
- 9.0%
- Net-worth ratio
Charleston Postal - Share Insurance Coverage
Charter #24743'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 Postal - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)92
- Asset quality (delinquency)48
- Earnings (ROA)87
- Member growth22
- Liquidity (loan-to-share)85
Weighted composite: 69/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.05%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.05% | 30% |
| Delinquency Rate | 2.08% | 25% |
| Return on Assets | 0.37% | 15% |
| Member Growth | -3.21% | 15% |
| Loan-to-Share Ratio | 60.03% | 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 | $4.9M | 664 |
| 2024Q4 | $5.0M | 686 |
| 2023Q4 | $5.0M | 701 |
Credit Union Details
- Charter Number
- 24743
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- West Virginia
- City
- CHARLESTON
- Data Quarter
- 2025Q4
What This Data Says About Charleston Postal
Charleston Postal is a federal credit union headquartered in CHARLESTON, West Virginia, serving 664 members with $4.9M in total assets and $2.7M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 69/100 (Good), anchored by a net worth ratio of 9.05% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #24743 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Two more numbers round out the picture: a 2.08% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers - and a 60.03% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.37% on net income of $18K 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 -3.21%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Low Income); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in West Virginia
A look at other West Virginia credit unions, ranked by how closely their peer group and asset size match this one.
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 Postal financially healthy?
Yes/no aside, the number is 69/100 (Good) - Charleston Postal's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.05% net worth ratio and 2.08% delinquency rate are the key drivers.
How does Charleston Postal compare to other credit unions?
PlainCU's health composite puts Charleston Postal at 69/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Charleston Postal?
Charleston Postal carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Charleston Postal directly to confirm current membership steps.
Is my money safe at Charleston Postal?
Federal credit unions like Charleston Postal 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 Postal's net worth ratio of 9.05% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Charleston Postal offer compared to banks?
Credit unions like Charleston Postal 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 Postal 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.