Federal credit union · Fairmont, West Virginia · NCUA charter #22428
Marion County School Employees
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $9.1M
- Total assets
- 814
- Members
- 20.9%
- Net-worth ratio
Marion County School Employees scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.1M; members 814; net-worth ratio 20.92%; health rank #2,211 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,211 of 4,374 health · 2025Q4Marion County School · health 83/100 · $9.1M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Marion County School Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Marion County School Employees sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Marion County School Employees vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Net Worth Ratio: +1.86 pp (20.92% vs 19.06%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -22.44 pp (41.16% vs 63.60%).
Marion County School Employees in West Virginia
- West Virginia health ordinal: #33 of 74.
- By total assets, Marion County School Employees is #56 of 74 in West Virginia.
- West Virginia membership ordinal: #59 of 74.
- One place up in West Virginia, Berkeley County Public Schools (#32) scores 84/100, 1 point higher; one place down, Wv National Guard (#34) ties at 83/100.
Marion County School Employees: 2025Q4 → 2026Q1
Marion County School Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.5% from $9.1M (2025Q4) to $9.7M (2026Q1).
- Net-worth ratio shifted -1.04 pp (21.96% → 20.92%).
At 20.92%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Marion County School Employees gives up 17 points in total. Member Growth costs the most, 11.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.2 pts
- Loan-to-Share Ratio 9.8 pts
Marion County School Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.92% | +1.86 pp |
| Delinquency Rate | 0.22% | -1.59 pp |
| Return on Assets | 1.07% | +0.62 pp |
| Member Growth | -3.21% | - |
| Loan-to-Share Ratio | 41.16% | -22.44 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Marion County School filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.7M | - |
| 2025Q4 | $9.1M | 814 |
| 2024Q4 | $8.9M | 841 |
| 2023Q4 | $9.2M | 937 |
Credit Union Details
- Charter Number
- 22428
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- West Virginia
- City
- Fairmont
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Marion County School Employees runs 2 offices.
| Office | City |
|---|---|
| Main Office (Main Office) | Fairmont, WV |
| Main Office | Fairmont, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
A look at other West Virginia credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Marion County School Employees ranks #2,211 of 4,374 nationally on financial health and #33 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FAYETTE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FAYETTE
Frequently Asked Questions
Is Marion County School Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Marion County School Employees scores 83/100 (Excellent), with a 20.92% net worth ratio and 0.22% of loans delinquent. It ranks #2,211 of 4,374 nationally on health and #33 of 74 in West Virginia.
How does Marion County School Employees compare to other credit unions?
Marion County School Employees scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (20.92% vs 19.06%). Its widest shortfall is loan-to-share ratio (41.16% vs 63.60%).
How can I join Marion County School Employees?
Marion County School Employees is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Marion County School Employees directly to confirm eligibility.
Is my money safe at Marion County School Employees?
Marion County School Employees is a federal 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. Marion County School Employees's net worth ratio of 20.92% 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.