Federal credit union · Charleston, West Virginia · NCUA charter #4969
Members Choice Wv
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $91.2M
- Total assets
- 5,994
- Members
- 21.6%
- Net-worth ratio
Members Choice Wv scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $91.2M; members 5,994; net-worth ratio 21.55%; health rank #2,375 of 4,374; healthier than 43rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,375 of 4,374 health · 2025Q4Members Choice Wv · health 82/100 · $91.2M · 2025Q4
- HEALTH 82/100
- NW 21.6%
- DELQ 1.33%
- ROA 0.67%
- ASSETS $91.2M
- MEM 5,994
- RANK #2,375/4,374
- PHOTO Arkansas Superior
- BOOK 4969
Call Report peers
Members Choice Wv in the assets neighbourhood
Members Choice Wv's $91.2M assets sit next to Arkansas Superior ($91.3M) 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.
Members Choice Wv 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
82 43rd percentile higher than 43% 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
Members Choice Wv - Share Insurance Coverage
Charter #4969'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.
Members Choice Wv vs $50M–$100M peers
- Largest favorable gap: Net Worth Ratio at 21.55% vs peer 13.62% (+7.93 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -5.40 pp (57.20% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
West Virginia standing for Members Choice Wv
- Health composite ranks #40 of 74 among scored West Virginia credit unions.
- West Virginia assets place: #14 of 74.
- Membership ranks #17 of 74 among West Virginia CUs with a reported count (5,994 members).
In-state ordinals use the live credit_unions table for WV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Members Choice Wv's 5300 filing moved
Members Choice Wv: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $91.2M (2025Q4) to $93.1M (2026Q1).
- Net-worth ratio shifted -0.27 pp (21.82% → 21.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 21.55%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.5 pts
- Return on Assets 15.0 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 11.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.55% | +7.93 pp |
| Delinquency Rate | 1.33% | +0.37 pp |
| Return on Assets | 0.67% | +0.01 pp |
| Member Growth | -0.71% | - |
| Loan-to-Share Ratio | 57.20% | -5.40 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Members Choice Wv filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $93.1M | - |
| 2025Q4 | $91.2M | 5,994 |
| 2024Q4 | $87.6M | 6,037 |
| 2023Q4 | $91.0M | 6,159 |
Credit Union Details
- Charter Number
- 4969
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- West Virginia
- City
- Charleston
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Members Choice Wv, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| Members Choice WV FCU (Main Office) | Charleston, WV |
| Netranom | Hurricane, WV |
| GBS - Sharetec | Lino Lakes, MN |
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
Members Choice Wv's nationwide photo peers by assets and by health score, excluding West Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($91.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Members Choice Wv ranks #2,375 of 4,374 nationally on financial health and #40 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The State is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The State
- 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 Members Choice Wv financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - Members Choice Wv'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 #2,375 of 4,374; by total assets it ranks #1,909 of 4,374 nationally (same basis as /rankings/largest); and #14 of 74 within West Virginia. Above 80 reads excellent, below 50 warrants closer monitoring; a 21.55% net worth ratio and 1.33% delinquency rate are the key drivers.
How does Members Choice Wv compare to other credit unions?
Five weighted metrics from NCUA filings produce Members Choice Wv's 82/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Members Choice Wv?
Members Choice Wv 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 Members Choice Wv directly for the exact boundaries and application steps.
Is my money safe at Members Choice Wv?
Federal credit unions like Members Choice Wv 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. Members Choice Wv's net worth ratio of 21.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Members Choice Wv offer compared to banks?
Credit unions like Members Choice Wv 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 Members Choice Wv 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.