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
Call Report peers
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City of Fairmont vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); City of Fairmont sits in 50-54 with 82 others.
54 4th percentile higher than 4% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in West Virginia, Huntington C & O Railway Employees (#71) scores 56/100, 2 points higher; one place down, CAPE (#73) scores 47/100, 7 points lower.
Quarter path for City of Fairmont
City of Fairmont: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.7% from $1.4M (2025Q4) to $1.4M (2026Q1).
- Net-worth ratio shifted +0.31 pp (9.95% → 10.26%).
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
City of Fairmont gives up 46 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is City of Fairmont financially healthy?
City of Fairmont has a financial health score of 54/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,204 of 4,374 nationally on health and #72 of 74 in West Virginia. Its net worth ratio is 10.26% and its delinquency rate 12.89%.
How does City of Fairmont compare to other credit unions?
City of Fairmont scores 54/100, higher than 4% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (67.36% vs 52.70%). Its widest shortfall is net worth ratio (10.26% vs 22.93%).
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?
City of Fairmont is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.