State credit union · Charleston, West Virginia · NCUA charter #68113
Local No. 317 I.a.F.F.
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $10.3M
- Total assets
- 415
- Members
- 9.6%
- Net-worth ratio
Local No. 317 I.a.F.F. scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.3M; members 415; net-worth ratio 9.62%; health rank #1,507 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,507 of 4,374 health · 2025Q4Local No. 317 I.a.F.F. · health 88/100 · $10.3M · 2025Q4
- ASSETS 88/100
- MEM 9.6%
- RANK 0.00%
- PHOTO 0.15%
- BOOK $10.3M
- CHARTER 415
- NCUSIF #1,507/4,374
- CAMELS Bcbst Employees
- HEALTH 68113
Call Report peers
Local No. 317 I.a.F.F. in the assets neighbourhood
Local No. 317 I.a.F.F.'s $10.3M assets sit next to Bcbst Employees ($10.3M) 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.
Local No. 317 I.a.F.F. 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
88 Top 35% higher than 65% 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
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.: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +8.33 pp (68.13% vs 59.80%).
- Widest shortfall vs peers is Net Worth Ratio: -5.24 pp (9.62% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
West Virginia standing for Local No. 317 I.a.F.F.
- West Virginia health ordinal: #20 of 74.
- By total assets, Local No. 317 I.a.F.F. is #55 of 74 in West Virginia.
- West Virginia membership ordinal: #68 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.
Local No. 317 I.a.F.F. Call Report trajectory
Local No. 317 I.a.F.F.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.0% from $10.3M (2025Q4) to $10.1M (2026Q1).
- Net-worth ratio shifted +1.12 pp (8.50% → 9.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.62% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 29.1 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.8 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for Local No. 317 I.a.F.F.
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.62% | -5.24 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.15% | -0.55 pp |
| Member Growth | 0.24% | - |
| Loan-to-Share Ratio | 68.13% | +8.33 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 | $10.1M | - |
| 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
Branch Locations (2)
Per its most recent NCUA branch filing, Local No. 317 I.a.F.F. runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Main Branch (Main Office) | Charleston, WV |
| FedComp | Fairfax, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
More federally-insured credit unions based in West Virginia, ordered by peer group match and asset size.
Local No. 317 I.a.F.F. nationwide neighbourhoods
Cross-state asset and health neighbours for Local No. 317 I.a.F.F. - kept outside West Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($10.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Local No. 317 I.a.F.F. ranks #1,507 of 4,374 nationally on financial health and #20 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CHA-TEL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CHA-TEL
- 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 Local No. 317 I.a.F.F. financially healthy?
Local No. 317 I.a.F.F. scores 88/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,507 of 4,374; by total assets it ranks #3,548 of 4,374 nationally (same basis as /rankings/largest); and #55 of 74 within West Virginia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.62% 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 88/100, 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 9.62% exceeds 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.
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.