Federal credit union · Fairmont, West Virginia · NCUA charter #18142
City of Fairmont
Health score 54/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $1.4M
- Total assets
- 330
- Members
- 10.0%
- Net-worth ratio
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.
City of Fairmont - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)0
- Member growth65
- Liquidity (loan-to-share)96
Weighted composite: 54/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.95% 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 | 9.95% | 30% |
| Delinquency Rate | 12.89% | 25% |
| Return on Assets | -1.12% | 15% |
| Member Growth | 0.61% | 15% |
| Loan-to-Share Ratio | 67.36% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About City of Fairmont
City of Fairmont is a federal credit union headquartered in Fairmont, West Virginia, serving 330 members with $1.4M in total assets and $851K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 54/100 (Fair), anchored by a net worth ratio of 9.95% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #18142 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
Two more numbers round out the picture: a 12.89% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers - and a 67.36% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -1.12% on net income of $-15754 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 0.61%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Multiple Common Bond) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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 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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.95% 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 9.95% 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.
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.