Federal credit union · Huntington, West Virginia · NCUA charter #795
Huntington West Va Firemens
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $5.8M
- Total assets
- 648
- Members
- 6.6%
- Net-worth ratio
Huntington West Va Firemens - Share Insurance Coverage
Charter #795'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.
Huntington West Va Firemens - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)64
- Asset quality (delinquency)94
- Earnings (ROA)62
- Member growth56
- Liquidity (loan-to-share)94
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
6.56% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.56% | 30% |
| Delinquency Rate | 0.66% | 25% |
| Return on Assets | 0.12% | 15% |
| Member Growth | -0.31% | 15% |
| Loan-to-Share Ratio | 65.93% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $5.8M | 648 |
| 2024Q4 | $5.4M | 650 |
| 2023Q4 | $4.7M | 647 |
Credit Union Details
- Charter Number
- 795
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- West Virginia
- City
- Huntington
- Data Quarter
- 2025Q4
What This Data Says About Huntington West Va Firemens
648 members and $5.8M in total assets sit behind Huntington West Va Firemens, a federal credit union in Huntington, West Virginia, which posts a health score of 74/100 (Very Good) on the five-factor composite, with $3.3M in outstanding loans as of Q4 2025 and a net worth ratio of 6.56% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #795 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Deposits deployed into lending sit at a 65.93% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.66% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at 0.12% on net income of $7K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.31%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Low Income) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in West Virginia
Other federally-insured credit unions in West Virginia, closest first by peer group and asset size.
- OHIO COUNTY PUBLIC SCHOOLSWHEELING, WV · $2M–$10M81Health
- TWIN OAKSApple Grove, WV · $2M–$10M88Health
- APPALACHIAN POWER EMPLOYEESHUNTINGTON, WV · $2M–$10M70Health
- C C M HParkersburg, WV · $2M–$10M86Health
- CHARLESTON POSTALCHARLESTON, WV · $2M–$10M69Health
Compare Huntington West Va Firemens vs OHIO COUNTY PUBLIC SCHOOLS
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Huntington West Va Firemens financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Huntington West Va Firemens carries a financial health score of 74/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 6.56% net worth ratio and a 0.66% delinquency rate.
How does Huntington West Va Firemens compare to other credit unions?
PlainCU's health composite puts Huntington West Va Firemens at 74/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Huntington West Va Firemens?
Huntington West Va Firemens carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Huntington West Va Firemens directly to confirm current membership steps.
Is my money safe at Huntington West Va Firemens?
Federal credit unions like Huntington West Va Firemens 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. Huntington West Va Firemens's net worth ratio of 6.56% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Huntington West Va Firemens offer compared to banks?
Credit unions like Huntington West Va Firemens 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 Huntington West Va Firemens directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.