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
- RANK 83/100
- PHOTO 20.9%
- BOOK 0.22%
- CHARTER 1.07%
- NCUSIF $9.1M
- CAMELS 814
- HEALTH #2,211/4,374
- NW n/a
- DELQ 22428
Call Report peers
Marion County School Employees carries $9.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
83 46th percentile higher than 46% 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
Marion County School Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #22428 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Marion County School Employees: 2025Q4 → 2026Q1
Marion County School Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.5% from $9.1M (2025Q4) to $9.7M (2026Q1).
- Net-worth ratio shifted -1.04 pp (21.96% → 20.92%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Two NCUA Call Report peer sets for Marion County School Employees, both outside West Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
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
- 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 Marion County School Employees financially healthy?
Yes/no aside, the number is 83/100 (Excellent) - Marion County School Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,211 of 4,374; by total assets it ranks #3,602 of 4,374 nationally (same basis as /rankings/largest); and #56 of 74 within West Virginia. Above 80 reads excellent, below 50 warrants closer monitoring; a 20.92% net worth ratio and 0.22% delinquency rate are the key drivers.
How does Marion County School Employees compare to other credit unions?
Marion County School Employees scores 83/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 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?
Federal credit unions like Marion County School Employees 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. Marion County School Employees's net worth ratio of 20.92% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Marion County School Employees offer compared to banks?
Credit unions like Marion County School Employees 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 Marion County School Employees 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.