Federal credit union · MOUNT HOPE, West Virginia · NCUA charter #12310
FAYETTE
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $8.7M
- Total assets
- 772
- Members
- 23.5%
- Net-worth ratio
FAYETTE scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.7M; members 772; net-worth ratio 23.53%; health rank #2,371 of 4,374; healthier than 43rd of scored peers.
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NCUA 5300 Call Report Masthead
#2,371 of 4,374 health · 2025Q4FAYETTE · health 82/100 · $8.7M · 2025Q4
Call Report peers
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FAYETTE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); FAYETTE sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where FAYETTE diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 23.53% vs peer 19.06% (+4.47 pp).
- Largest lag: Loan-to-Share Ratio at 57.02% vs peer 63.60% (-6.58 pp).
Where FAYETTE sits in West Virginia
- In West Virginia, health place is #39 of 74 on the same NCUA-ratio sort used nationally.
- Assets rank #57 of 74 inside West Virginia ($8.7M reported).
- Membership ranks #60 of 74 among West Virginia CUs with a reported count (772 members).
- One place up in West Virginia, Mcdowell County (#38) ties at 82/100; one place down, Members Choice Wv (#40) ties at 82/100.
FAYETTE: 2025Q4 → 2026Q1
FAYETTE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.6% from $8.7M (2025Q4) to $8.5M (2026Q1).
- Net-worth ratio shifted +0.43 pp (23.10% → 23.53%).
23.53% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
FAYETTE gives up 18 points in total. Member Growth costs the most, 13.8 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.4 pts
- Return on Assets 15.0 pts
- Member Growth 1.2 pts
- Loan-to-Share Ratio 12.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.53% | +4.47 pp |
| Delinquency Rate | 0.66% | -1.15 pp |
| Return on Assets | 0.62% | +0.16 pp |
| Member Growth | -4.34% | - |
| Loan-to-Share Ratio | 57.02% | -6.58 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
FAYETTE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.5M | - |
| 2025Q4 | $8.7M | 772 |
| 2024Q4 | $8.8M | 807 |
| 2023Q4 | $8.9M | 840 |
Credit Union Details
- Charter Number
- 12310
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- West Virginia
- City
- MOUNT HOPE
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, FAYETTE runs one office.
| Office | City |
|---|---|
| Fayette FCU (Main Office) | MOUNT HOPE, 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.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- FAYETTE ranks #2,371 of 4,374 nationally on financial health and #39 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PACE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PACE
Frequently Asked Questions
Is FAYETTE financially healthy?
On its 2025Q4 NCUA 5300 filing, FAYETTE scores 82/100 (Excellent), with a 23.53% net worth ratio and 0.66% of loans delinquent. It ranks #2,371 of 4,374 nationally on health and #39 of 74 in West Virginia.
How does FAYETTE compare to other credit unions?
FAYETTE scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (23.53% vs 19.06%). Its widest shortfall is loan-to-share ratio (57.02% vs 63.60%).
How can I join FAYETTE?
FAYETTE 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 FAYETTE directly for the exact boundaries and application steps.
Is my money safe at FAYETTE?
FAYETTE 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. FAYETTE's net worth ratio of 23.53% 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.