Federal credit union · Fairmont, West Virginia · NCUA charter #18142
City of Fairmont
Health score 54/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $1.4M
- Total assets
- 330
- Members
- 10.3%
- Net-worth ratio
City of Fairmont scores 54/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.4M; members 330; net-worth ratio 10.26%; health rank #4,204 of 4,374; healthier than 4th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,204 of 4,374 health · 2025Q4City of Fairmont · health 54/100 · $1.4M · 2025Q4
- NW 54/100
- DELQ 10.3%
- ROA 12.89%
- ASSETS -1.12%
- MEM $1.4M
- RANK 330
- PHOTO #4,204/4,374
- BOOK n/a
- CHARTER 18142
Call Report peers
City of Fairmont carries $1.4M 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 Fairmont 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
54 4th percentile higher than 4% 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 Fairmont - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #18142, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for City of Fairmont
- Largest favorable gap: Loan-to-Share Ratio at 67.36% vs peer 52.70% (+14.66 pp).
- Net Worth Ratio trails the peer set - 10.26% here, 22.93% peer average (-12.67 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
West Virginia standing for City of Fairmont
- West Virginia health ordinal: #72 of 74.
- By total assets, City of Fairmont is #69 of 74 in West Virginia.
- West Virginia membership ordinal: #70 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.
Quarter path for City of Fairmont
City of Fairmont: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.7% from $1.4M (2025Q4) to $1.4M (2026Q1).
- Net-worth ratio shifted +0.31 pp (9.95% → 10.26%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.26% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 54/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 54.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 14.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.26% | -12.67 pp |
| Delinquency Rate | 12.89% | +8.41 pp |
| Return on Assets | -1.12% | -1.34 pp |
| Member Growth | 0.61% | - |
| Loan-to-Share Ratio | 67.36% | +14.66 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.4M | - |
| 2025Q4 | $1.4M | 330 |
| 2024Q4 | $1.4M | 328 |
| 2023Q4 | $1.3M | 328 |
Credit Union Details
- Charter Number
- 18142
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Under $2M
- State
- West Virginia
- City
- Fairmont
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for City of Fairmont.
| Office | City |
|---|---|
| City of Fairmont FCU (Main Office) | Fairmont, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for City of Fairmont, both outside West Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (54/100 here).
Using this data
- City of Fairmont ranks #4,204 of 4,374 nationally on financial health and #72 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Logan County School Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Logan County School 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 City of Fairmont financially healthy?
City of Fairmont has a financial health score of 54/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,204 of 4,374; by total assets it ranks #4,188 of 4,374 nationally (same basis as /rankings/largest); and #69 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 10.26% and delinquency rate of 12.89%.
How does City of Fairmont compare to other credit unions?
City of Fairmont scores 54/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 City of Fairmont?
City of Fairmont 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 Fairmont directly for the current list of qualifying groups.
Is my money safe at City of Fairmont?
Federal credit unions like City of Fairmont 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 Fairmont's net worth ratio of 10.26% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does City of Fairmont offer compared to banks?
Credit unions like City of Fairmont 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 Fairmont 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.