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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,371 of 4,374 health · 2025Q4FAYETTE · health 82/100 · $8.7M · 2025Q4
- CHARTER 82/100
- NCUSIF 23.5%
- CAMELS 0.66%
- HEALTH 0.62%
- NW $8.7M
- DELQ 772
- ROA #2,371/4,374
- ASSETS n/a
- MEM 12310
Call Report peers
FAYETTE carries $8.7M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FAYETTE 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
82 43rd percentile higher than 43% 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
FAYETTE - Share Insurance Coverage
Charter #12310's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for WV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
FAYETTE: 2025Q4 → 2026Q1
FAYETTE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.6% from $8.7M (2025Q4) to $8.5M (2026Q1).
- Net-worth ratio shifted +0.43 pp (23.10% → 23.53%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Two NCUA Call Report peer sets for FAYETTE, both outside West Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
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
- 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 FAYETTE financially healthy?
A 23.53% net worth ratio and a 0.66% delinquency rate feed into FAYETTE's financial health score of 82/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,371 of 4,374; by total assets it ranks #3,627 of 4,374 nationally (same basis as /rankings/largest); and #57 of 74 within West Virginia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does FAYETTE compare to other credit unions?
82/100 is FAYETTE's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like FAYETTE 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. FAYETTE's net worth ratio of 23.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FAYETTE offer compared to banks?
Credit unions like FAYETTE 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 FAYETTE 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.