Federal credit union · CLARKSBURG, West Virginia · NCUA charter #13426
City of Clarksburg
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $8.3M
- Total assets
- 755
- Members
- 14.0%
- Net-worth ratio
City of Clarksburg - Share Insurance Coverage
Charter #13426'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.
City of Clarksburg - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth31
- Liquidity (loan-to-share)59
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.99% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.99% | 30% |
| Delinquency Rate | 0.08% | 25% |
| Return on Assets | 0.91% | 15% |
| Member Growth | -2.45% | 15% |
| Loan-to-Share Ratio | 32.01% | 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 | $8.3M | 755 |
| 2024Q4 | $8.2M | 774 |
| 2023Q4 | $8.8M | 819 |
Credit Union Details
- Charter Number
- 13426
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- West Virginia
- City
- CLARKSBURG
- Data Quarter
- 2025Q4
What This Data Says About City of Clarksburg
Headquartered in CLARKSBURG, West Virginia, City of Clarksburg is a federal credit union with 755 members, $8.3M in total assets, and $2.3M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 83/100 (Excellent), driven in part by a net worth ratio of 13.99% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #13426 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
0.08% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 32.01% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.91% on net income of $76K 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 -2.45%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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 City of Clarksburg financially healthy?
A 13.99% net worth ratio and a 0.08% delinquency rate feed into City of Clarksburg's financial health score of 83/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does City of Clarksburg compare to other credit unions?
83/100 is City of Clarksburg's score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 City of Clarksburg?
City of Clarksburg 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 City of Clarksburg directly for the current list of qualifying groups.
Is my money safe at City of Clarksburg?
Federal credit unions like City of Clarksburg 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. City of Clarksburg's net worth ratio of 13.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does City of Clarksburg offer compared to banks?
Credit unions like City of Clarksburg 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 City of Clarksburg 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.