Federal credit union · HUNTINGTON, West Virginia · NCUA charter #14030
Ibew 317
Health score 72/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $29.1M
- Total assets
- 1,996
- Members
- 10.9%
- Net-worth ratio
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.
Ibew 317 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)7
- Earnings (ROA)98
- Member growth100
- Liquidity (loan-to-share)69
Weighted composite: 72/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.93% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.93% | 30% |
| Delinquency Rate | 3.72% | 25% |
| Return on Assets | 0.48% | 15% |
| Member Growth | 47.20% | 15% |
| Loan-to-Share Ratio | 48.41% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Ibew 317
Charter #14030, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Ibew 317, a federal credit union in HUNTINGTON, West Virginia with 1,996 members, $29.1M in total assets, and $12.6M in outstanding loans as of Q4 2025. The five-factor composite scores it 72/100 (Very Good), helped by a net worth ratio of 10.93% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 48.41% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 3.72% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Return on assets stands at 0.48% on net income of $140K 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 47.20%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other/Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in West Virginia
Other federally-insured credit unions in West Virginia, closest first by peer group and asset size.
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 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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.93% 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 10.93% 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.
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.