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
Call Report peers
Local No. 317 I.a.F.F. in the assets neighbourhood
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
Local No. 317 I.a.F.F. sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in West Virginia, First Priority (#19) ties at 88/100; one place down, Putnam School Employees (#21) scores 87/100, 1 point lower.
Local No. 317 I.a.F.F. Call Report trajectory
Local No. 317 I.a.F.F.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.0% from $10.3M (2025Q4) to $10.1M (2026Q1).
- Net-worth ratio shifted +1.12 pp (8.50% → 9.62%).
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
Local No. 317 I.a.F.F. gives up 12 points in total. Member Growth costs the most, 5.7 of its 15; Delinquency Rate scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Local No. 317 I.a.F.F. financially healthy?
On its 2025Q4 NCUA 5300 filing, Local No. 317 I.a.F.F. scores 88/100 (Excellent), with a 9.62% net worth ratio and 0.00% of loans delinquent. It ranks #1,507 of 4,374 nationally on health and #20 of 74 in West Virginia.
How does Local No. 317 I.a.F.F. compare to other credit unions?
Local No. 317 I.a.F.F. scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (68.13% vs 59.80%). Its widest shortfall is net worth ratio (9.62% vs 14.86%).
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.?
Local No. 317 I.a.F.F. is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.