Federal credit union · HUNTINGTON, West Virginia · NCUA charter #14030
Ibew 317
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $29.1M
- Total assets
- 1,996
- Members
- 11.1%
- Net-worth ratio
Ibew 317 scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $29.1M; members 1,996; net-worth ratio 11.07%; health rank #3,477 of 4,374; healthier than 20th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,477 of 4,374 health · 2025Q4Ibew 317 · health 72/100 · $29.1M · 2025Q4
- HEALTH 72/100
- NW 11.1%
- DELQ 3.72%
- ROA 0.48%
- ASSETS $29.1M
- MEM 1,996
- RANK #3,477/4,374
- PHOTO Alcon Employees
- BOOK 14030
Call Report peers
Ibew 317 in the assets neighbourhood
Ibew 317's $29.1M assets sit next to Alcon Employees ($29.1M) 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.
Ibew 317 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
Ibew 317 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #14030: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Ibew 317 diverges from peer averages
- Loan-to-Share Ratio trails the peer set - 48.41% here, 59.80% peer average (-11.39 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ibew 317 in West Virginia
- Health composite ranks #54 of 74 among scored West Virginia credit unions.
- Assets rank #34 of 74 inside West Virginia ($29.1M reported).
- West Virginia membership ordinal: #39 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.
How Ibew 317's 5300 filing moved
Ibew 317: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $29.1M (2025Q4) to $29.3M (2026Q1).
- Net-worth ratio shifted +0.14 pp (10.93% → 11.07%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.07% 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 1.8 pts
- Return on Assets 14.7 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 10.5 pts
Call Report ratios for Ibew 317
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.07% | -3.79 pp |
| Delinquency Rate | 3.72% | +2.57 pp |
| Return on Assets | 0.48% | -0.22 pp |
| Member Growth | 47.20% | - |
| Loan-to-Share Ratio | 48.41% | -11.39 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).
Call Report history - Ibew 317
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $29.3M | - |
| 2025Q4 | $29.1M | 1,996 |
| 2024Q4 | $30.0M | 1,356 |
| 2023Q4 | $29.0M | 1,313 |
Credit Union Details
- Charter Number
- 14030
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- HUNTINGTON
- Data Quarter
- 2025Q4
Branch Location
Ibew 317 operates a single office in Huntington, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | Huntington, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
Other federally-insured credit unions in West Virginia, closest first by peer group and asset size.
Ibew 317 nationwide neighbourhoods
Cross-state asset and health neighbours for Ibew 317 - kept outside West Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($29.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
Using this data
- Ibew 317 ranks #3,477 of 4,374 nationally on financial health and #54 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ALLOY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ALLOY
- 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 Ibew 317 financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Ibew 317 carries a financial health score of 72/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,477 of 4,374; by total assets it ranks #2,873 of 4,374 nationally (same basis as /rankings/largest); and #34 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 11.07% net worth ratio and a 3.72% delinquency rate.
How does Ibew 317 compare to other credit unions?
Ibew 317 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 Ibew 317?
Ibew 317 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 Ibew 317 directly for the exact boundaries and application steps.
Is my money safe at Ibew 317?
Federal credit unions like Ibew 317 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. Ibew 317's net worth ratio of 11.07% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ibew 317 offer compared to banks?
Credit unions like Ibew 317 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 Ibew 317 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.