Federal credit union · Huntington, West Virginia · NCUA charter #23545
CHHE
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $31.3M
- Total assets
- 4,048
- Members
- 9.2%
- Net-worth ratio
CHHE scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $31.3M; members 4,048; net-worth ratio 9.19%; health rank #3,608 of 4,374; healthier than 17th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,608 of 4,374 health · 2025Q4CHHE · health 70/100 · $31.3M · 2025Q4
- BOOK 70/100
- CHARTER 9.2%
- NCUSIF 1.40%
- CAMELS 0.22%
- HEALTH $31.3M
- NW 4,048
- DELQ #3,608/4,374
- ROA QUESTA
- ASSETS 23545
Call Report peers
CHHE in the assets neighbourhood
CHHE's $31.3M assets sit next to QUESTA ($31.3M) 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.
CHHE 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
70 17th percentile higher than 17% 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
CHHE - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #23545 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
CHHE vs $10M–$50M peers
- Net Worth Ratio trails the peer set - 9.19% here, 14.86% peer average (-5.67 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
CHHE: in-state Call Report ranks
- In West Virginia, health place is #61 of 74 on the same NCUA-ratio sort used nationally.
- Assets rank #31 of 74 inside West Virginia ($31.3M reported).
- Membership ranks #27 of 74 among West Virginia CUs with a reported count (4,048 members).
In-state ordinals use the live credit_unions table for WV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
CHHE: 2025Q4 → 2026Q1
CHHE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.0% from $31.3M (2025Q4) to $33.5M (2026Q1).
- Net-worth ratio shifted -0.55 pp (9.74% → 9.19%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.19% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 70/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- Net Worth Ratio 28.0 pts
- Delinquency Rate 17.0 pts
- Return on Assets 10.7 pts
- Member Growth 2.3 pts
- Loan-to-Share Ratio 12.0 pts
CHHE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.19% | -5.67 pp |
| Delinquency Rate | 1.40% | +0.26 pp |
| Return on Assets | 0.22% | -0.49 pp |
| Member Growth | -3.71% | - |
| Loan-to-Share Ratio | 54.48% | -5.32 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 - CHHE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $33.5M | - |
| 2025Q4 | $31.3M | 4,048 |
| 2024Q4 | $29.8M | 4,204 |
| 2023Q4 | $26.8M | 4,028 |
Credit Union Details
- Charter Number
- 23545
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- Huntington
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for CHHE, spread across 3 cities.
| Office | City |
|---|---|
| CHHE Federal Credit Union (Main Office) | Huntington, WV |
| CHHE Federal Credit Union | Huntington, WV |
| Logan Branch | Logan, WV |
| Branch Office Rivers Health | Point Pleasant, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for CHHE - kept outside West Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($31.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
Using this data
- CHHE ranks #3,608 of 4,374 nationally on financial health and #61 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Huntington C & O Railway Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Huntington C & O Railway 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 CHHE financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, CHHE carries a financial health score of 70/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,608 of 4,374; by total assets it ranks #2,819 of 4,374 nationally (same basis as /rankings/largest); and #31 of 74 within West Virginia. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.19% net worth ratio and a 1.40% delinquency rate.
How does CHHE compare to other credit unions?
70/100 is CHHE's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 CHHE?
CHHE 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 CHHE directly for the exact boundaries and application steps.
Is my money safe at CHHE?
Federal credit unions like CHHE 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. CHHE's net worth ratio of 9.19% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CHHE offer compared to banks?
Credit unions like CHHE 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 CHHE 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.