State credit union · Charleston, West Virginia · NCUA charter #68113
Local No. 317 I.a.f.f.
Health score 68/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $10.3M
- Total assets
- 415
- Members
- 3.7%
- Net-worth ratio
Local No. 317 I.a.f.f. - Share Insurance Coverage
Charter #68113'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.
Local No. 317 I.a.f.f. - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)31
- Asset quality (delinquency)100
- Earnings (ROA)65
- Member growth62
- Liquidity (loan-to-share)97
Weighted composite: 68/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
3.75% 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 | 3.75% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.15% | 15% |
| Member Growth | 0.24% | 15% |
| Loan-to-Share Ratio | 68.13% | 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 | $10.3M | 415 |
| 2024Q4 | $9.8M | 414 |
| 2023Q4 | $9.1M | 461 |
Credit Union Details
- Charter Number
- 68113
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- Charleston
- Data Quarter
- 2025Q4
What This Data Says About Local No. 317 I.a.f.f.
Charter #68113, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Local No. 317 I.a.f.f., a state credit union in Charleston, West Virginia with 415 members, $10.3M in total assets, and $6.3M in outstanding loans as of Q4 2025. The five-factor composite scores it 68/100 (Good), helped by a net worth ratio of 3.75% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 0.00% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 68.13% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.15% on net income of $16K 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 0.24%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in West Virginia
More federally-insured credit unions based in West Virginia, ordered by peer group match 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 Local No. 317 I.a.f.f. financially healthy?
Local No. 317 I.a.f.f. scores 68/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 3.75% net worth ratio and a 0.00% delinquency rate.
How does Local No. 317 I.a.f.f. compare to other credit unions?
On PlainCU's health composite, Local No. 317 I.a.f.f. lands at 68/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Local No. 317 I.a.f.f.?
Membership eligibility for Local No. 317 I.a.f.f. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Local No. 317 I.a.f.f. directly for current membership requirements and application steps.
Is my money safe at Local No. 317 I.a.f.f.?
Federal credit unions like Local No. 317 I.a.f.f. 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. Local No. 317 I.a.f.f.'s net worth ratio of 3.75% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Local No. 317 I.a.f.f. offer compared to banks?
Credit unions like Local No. 317 I.a.f.f. 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 Local No. 317 I.a.f.f. 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.