Federal credit union · CLARKSBURG, West Virginia · NCUA charter #13426
City of Clarksburg
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $8.3M
- Total assets
- 755
- Members
- 14.3%
- Net-worth ratio
City of Clarksburg scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.3M; members 755; net-worth ratio 14.29%; health rank #2,247 of 4,374; healthier than 46th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,247 of 4,374 health · 2025Q4City of Clarksburg · health 83/100 · $8.3M · 2025Q4
- NCUSIF 83/100
- CAMELS 14.3%
- HEALTH 0.08%
- NW 0.91%
- DELQ $8.3M
- ROA 755
- ASSETS #2,247/4,374
- MEM n/a
- RANK 13426
Call Report peers
City of Clarksburg carries $8.3M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
City of Clarksburg 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
83 46th percentile higher than 46% 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
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.
Where City of Clarksburg diverges from peer averages
- Delinquency Rate leads the peer set - 0.08% here, 1.81% peer average (-1.73 pp).
- Largest lag: Loan-to-Share Ratio at 32.01% vs peer 63.60% (-31.59 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
City of Clarksburg in West Virginia
- In West Virginia, health place is #36 of 74 on the same NCUA-ratio sort used nationally.
- By total assets, City of Clarksburg is #60 of 74 in West Virginia.
- Member book place in West Virginia: #61 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.
City of Clarksburg: 2025Q4 → 2026Q1
City of Clarksburg: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.7% from $8.3M (2025Q4) to $8.2M (2026Q1).
- Net-worth ratio shifted +0.30 pp (13.99% → 14.29%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.29% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.6 pts
- Loan-to-Share Ratio 8.4 pts
City of Clarksburg vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.29% | -4.77 pp |
| Delinquency Rate | 0.08% | -1.73 pp |
| Return on Assets | 0.91% | +0.46 pp |
| Member Growth | -2.45% | - |
| Loan-to-Share Ratio | 32.01% | -31.59 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
City of Clarksburg filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.2M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for City of Clarksburg.
| Office | City |
|---|---|
| CITY OF CLARKSBURG FEDERAL CREDIT UNION (Main Office) | CLARKSBURG, 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.
City of Clarksburg nationwide neighbourhoods
Cross-state asset and health neighbours for City of Clarksburg - kept outside West Virginia; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- City of Clarksburg ranks #2,247 of 4,374 nationally on financial health and #36 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Alderson Fci is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Alderson Fci
- 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 City of Clarksburg financially healthy?
A 14.29% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,247 of 4,374; by total assets it ranks #3,654 of 4,374 nationally (same basis as /rankings/largest); and #60 of 74 within West Virginia. 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 14.29% 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.
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.