Federal credit union · Charleston, West Virginia · NCUA charter #23162
ELEMENT
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $84.6M
- Total assets
- 4,426
- Members
- 20.2%
- Net-worth ratio
ELEMENT scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $84.6M; members 4,426; net-worth ratio 20.16%; health rank #2,933 of 4,374; healthier than 31st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,933 of 4,374 health · 2025Q4ELEMENT · health 78/100 · $84.6M · 2025Q4
Call Report peers
ELEMENT in the assets neighbourhood
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ELEMENT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ELEMENT sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
ELEMENT: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 20.16% vs peer 13.62% (+6.54 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -21.39 pp (41.21% vs 62.60%).
Where ELEMENT sits in West Virginia
- In West Virginia, health place is #48 of 74 on the same NCUA-ratio sort used nationally.
- Assets rank #15 of 74 inside West Virginia ($84.6M reported).
- Membership ranks #24 of 74 among West Virginia CUs with a reported count (4,426 members).
- One place up in West Virginia, W. Virginia State Convention (#47) scores 80/100, 2 points higher; one place down, 167th Tfr (#49) ties at 78/100.
How ELEMENT's 5300 filing moved
ELEMENT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -39.7% from $84.6M (2025Q4) to $51.0M (2026Q1).
- Net-worth ratio shifted +8.23 pp (11.93% → 20.16%).
20.16% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
ELEMENT gives up 22 points in total. Member Growth costs the most, 9 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.6 pts
- Return on Assets 15.0 pts
- Member Growth 6.0 pts
- Loan-to-Share Ratio 9.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.16% | +6.54 pp |
| Delinquency Rate | 1.32% | +0.36 pp |
| Return on Assets | 1.52% | +0.86 pp |
| Member Growth | -1.67% | - |
| Loan-to-Share Ratio | 41.21% | -21.39 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
ELEMENT filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $51.0M | - |
| 2025Q4 | $84.6M | 4,426 |
| 2024Q4 | $69.7M | 4,501 |
| 2023Q4 | $59.8M | 4,498 |
Credit Union Details
- Charter Number
- 23162
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- West Virginia
- City
- Charleston
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, ELEMENT runs 4 offices in 2 different cities.
| Office | City |
|---|---|
| Kanawha City (Main Office) | Charleston, WV |
| Capitol Street | Charleston, WV |
| The Element Edge | Charleston, WV |
| South Charleston | South Charleston, 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.
Other-state peers near ELEMENT
Using this data
- ELEMENT ranks #2,933 of 4,374 nationally on financial health and #48 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CAMC is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CAMC
Frequently Asked Questions
Is ELEMENT financially healthy?
On its 2025Q4 NCUA 5300 filing, ELEMENT scores 78/100 (Very Good), with a 20.16% net worth ratio and 1.32% of loans delinquent. It ranks #2,933 of 4,374 nationally on health and #48 of 74 in West Virginia.
How does ELEMENT compare to other credit unions?
ELEMENT scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (20.16% vs 13.62%). Its widest shortfall is loan-to-share ratio (41.21% vs 62.60%).
How can I join ELEMENT?
ELEMENT 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 ELEMENT directly for the current list of qualifying groups.
Is my money safe at ELEMENT?
ELEMENT 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. ELEMENT's net worth ratio of 20.16% 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.