Federal credit union · FAIRMONT, West Virginia · NCUA charter #3439
FAIRMONT
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $580.6M
- Total assets
- 45,182
- Members
- 9.9%
- Net-worth ratio
FAIRMONT scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $580.6M; members 45,182; net-worth ratio 9.89%; health rank #417 of 4,374; healthier than 90th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#417 of 4,374 health · 2025Q4FAIRMONT · health 95/100 · $580.6M · 2025Q4
- PHOTO 95/100
- BOOK 9.9%
- CHARTER 0.55%
- NCUSIF 0.74%
- CAMELS $580.6M
- HEALTH 45,182
- NW #417/4,374
- DELQ SECURITYPLUS
- ROA 3439
Call Report peers
FAIRMONT in the assets neighbourhood
FAIRMONT's $580.6M assets sit next to SECURITYPLUS ($580.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
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
95 Top 10% higher than 90% 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
FAIRMONT - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #3439. See our deposit-insurance coverage note.
FAIRMONT vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.32 pp (0.55% vs 0.87%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -11.72 pp (72.18% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where FAIRMONT sits in West Virginia
- Health composite ranks #5 of 74 among scored West Virginia credit unions.
- West Virginia assets place: #3 of 74.
- Membership ranks #1 of 74 among West Virginia CUs with a reported count (45,182 members).
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 FAIRMONT
FAIRMONT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $580.6M (2025Q4) to $602.5M (2026Q1).
- Net-worth ratio shifted -0.03 pp (9.92% → 9.89%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.89%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 29.7 pts
- Delinquency Rate 24.5 pts
- Return on Assets 15.0 pts
- Member Growth 11.1 pts
- Loan-to-Share Ratio 14.7 pts
FAIRMONT health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.89% | -1.29 pp |
| Delinquency Rate | 0.55% | -0.32 pp |
| Return on Assets | 0.74% | +0.23 pp |
| Member Growth | 1.73% | - |
| Loan-to-Share Ratio | 72.18% | -11.72 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
FAIRMONT filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $602.5M | - |
| 2025Q4 | $580.6M | 45,182 |
| 2024Q4 | $531.3M | 44,414 |
| 2023Q4 | $487.4M | 43,937 |
Credit Union Details
- Charter Number
- 3439
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- West Virginia
- City
- FAIRMONT
- Data Quarter
- 2025Q4
Branch Locations (9)
FAIRMONT operates 9 offices across 5 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Gateway Connector Office (Main Office) | Fairmont, WV |
| Charles Pointe | Bridgeport, WV |
| Rose Bud | Clarksburg, WV |
| 12th St Drive Thru | Fairmont, WV |
| White Hall | Fairmont, WV |
| Bellview | Fairmont, WV |
| Mannington | Mannington, WV |
| Pineview | Morgantown, WV |
| Westover | Morgantown, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
A look at other West Virginia credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near FAIRMONT
FAIRMONT's nationwide photo peers by assets and by health score, excluding West Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($580.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- FAIRMONT ranks #417 of 4,374 nationally on financial health and #5 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Choice America Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Choice America Community
- 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 FAIRMONT financially healthy?
Yes/no aside, the number is 95/100 (Excellent) - FAIRMONT's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #417 of 4,374; by total assets it ranks #694 of 4,374 nationally (same basis as /rankings/largest); and #3 of 74 within West Virginia. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.89% net worth ratio and 0.55% delinquency rate are the key drivers.
How does FAIRMONT compare to other credit unions?
FAIRMONT scores 95/100 on PlainCU's health composite, compared to a peer group average for Over $500M 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 FAIRMONT?
FAIRMONT operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact FAIRMONT directly for the exact boundaries and application steps.
Is my money safe at FAIRMONT?
Federal credit unions like 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. FAIRMONT's net worth ratio of 9.89% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FAIRMONT offer compared to banks?
Credit unions like 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 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.