Federal credit union · Welch, West Virginia · NCUA charter #18950
Mcdowell County
Health score 52/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 52
- Health / 100
- $64K
- Total assets
- 32
- Members
- 0.0%
- Net-worth ratio
Mcdowell County - Share Insurance Coverage
Charter #18950'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.
Mcdowell County - 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)0
- Asset quality (delinquency)100
- Earnings (ROA)62
- Member growth60
- Liquidity (loan-to-share)57
Weighted composite: 52/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
0.00% 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 | 0.00% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.12% | 15% |
| Member Growth | 0.00% | 15% |
| Loan-to-Share Ratio | 28.83% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $64K | 32 |
| 2024Q4 | $103K | 32 |
| 2023Q4 | $99K | 35 |
Credit Union Details
- Charter Number
- 18950
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- West Virginia
- City
- Welch
- Data Quarter
- 2025Q4
What This Data Says About Mcdowell County
Charter #18950, peer group Under $2M, a cohort of 243 similarly-sized institutions: that's Mcdowell County, a federal credit union in Welch, West Virginia with 32 members, $64K in total assets, and $14K in outstanding loans as of Q4 2025. The five-factor composite scores it 52/100 (Fair), helped by a net worth ratio of 0.00% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Deposit deployment is captured by the 28.83% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.12% on net income of $77 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 0.00%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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 Mcdowell County financially healthy?
Yes/no aside, the number is 52/100 (Fair) - Mcdowell County's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 0.00% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Mcdowell County compare to other credit unions?
On PlainCU's health composite, Mcdowell County lands at 52/100, compared to a peer group average for Under $2M 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 Mcdowell County?
Mcdowell County operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Mcdowell County directly for the exact boundaries and application steps.
Is my money safe at Mcdowell County?
Federal credit unions like Mcdowell County 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. Mcdowell County's net worth ratio of 0.00% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Mcdowell County offer compared to banks?
Credit unions like Mcdowell County 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 Mcdowell County 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.