Federal credit union · Weirton, West Virginia · NCUA charter #21115
Hancock School Emp.
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $23.6M
- Total assets
- 1,402
- Members
- 11.3%
- Net-worth ratio
Hancock School Emp. scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.6M; members 1,402; net-worth ratio 11.27%; health rank #3,476 of 4,374; healthier than 20th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,476 of 4,374 health · 2025Q4Hancock School Emp. · health 72/100 · $23.6M · 2025Q4
- NW 72/100
- DELQ 11.3%
- ROA 0.67%
- ASSETS 0.16%
- MEM $23.6M
- RANK 1,402
- PHOTO #3,476/4,374
- BOOK Allegheny Ludlum Brackenridge
- CHARTER 21115
Call Report peers
Hancock School Emp. in the assets neighbourhood
Hancock School Emp.'s $23.6M assets sit next to Allegheny Ludlum Brackenridge ($23.6M) 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.
Hancock School Emp. 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
72 20th percentile higher than 20% 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
Hancock School Emp. - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #21115 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Hancock School Emp.
- Delinquency Rate leads the peer set - 0.67% here, 1.15% peer average (-0.48 pp).
- Largest lag: Loan-to-Share Ratio at 26.99% vs peer 59.80% (-32.81 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Hancock School Emp. in West Virginia
- Health composite ranks #53 of 74 among scored West Virginia credit unions.
- Assets rank #39 of 74 inside West Virginia ($23.6M reported).
- West Virginia membership ordinal: #48 of 74.
In-state ordinals use the live credit_unions table for WV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Hancock School Emp. Call Report trajectory
Hancock School Emp.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $23.6M (2025Q4) to $24.3M (2026Q1).
- Net-worth ratio shifted -0.11 pp (11.38% → 11.27%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.27% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 72/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.3 pts
- Return on Assets 9.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.27% | -3.59 pp |
| Delinquency Rate | 0.67% | -0.48 pp |
| Return on Assets | 0.16% | -0.55 pp |
| Member Growth | -7.15% | - |
| Loan-to-Share Ratio | 26.99% | -32.81 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $24.3M | - |
| 2025Q4 | $23.6M | 1,402 |
| 2024Q4 | $23.6M | 1,510 |
| 2023Q4 | $23.9M | 1,500 |
Credit Union Details
- Charter Number
- 21115
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- Weirton
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Hancock School Emp., spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Hancock School Employee FCU (Main Office) | Weirton, WV |
| CU Centric | Columbus, OH |
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 Hancock School Emp., both outside West Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($23.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
Using this data
- Hancock School Emp. ranks #3,476 of 4,374 nationally on financial health and #53 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Raleigh Co. Educators is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Raleigh Co. Educators
- 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 Hancock School Emp. financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Hancock School Emp. carries a financial health score of 72/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,476 of 4,374; by total assets it ranks #3,033 of 4,374 nationally (same basis as /rankings/largest); and #39 of 74 within West Virginia. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.27% net worth ratio and a 0.67% delinquency rate.
How does Hancock School Emp. compare to other credit unions?
Hancock School Emp. scores 72/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Hancock School Emp.?
Hancock School Emp. 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 Hancock School Emp. directly for the exact boundaries and application steps.
Is my money safe at Hancock School Emp.?
Federal credit unions like Hancock School Emp. 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. Hancock School Emp.'s net worth ratio of 11.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hancock School Emp. offer compared to banks?
Credit unions like Hancock School Emp. 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 Hancock School Emp. 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.