Health Score
65/100
PlainCU 5-factor composite (NCUA 5300 Call Report)
Credit Union
MERCER COUNTY W VA TEACHERS
Health Score
65/100
Total Assets
$27.9M
Members
2,528
Bluefield, West Virginia
2026 data Public-data reference. official source
MERCER COUNTY W VA TEACHERS
Open-data reference.
65
Health Score
Good
Charter #
9413
NCUA-issued institution identifier
Source
NCUA
Quarterly 5300 Call Report — 2025Q4
MERCER COUNTY W VA TEACHERS — Share Insurance Coverage
Composite supervisory bracket and risk-based capital are read from the NCUA Call Report. Member shares above $250,000 per ownership category sit outside the federal NCUSIF envelope.
MERCER COUNTY W VA TEACHERS — Five Health Pillars
Each pillar is normalised onto a 0-100 scale so the bar lengths are directly comparable.
Health Pillars (0-100)
Net worth ratio vs. NCUA well-capitalized threshold 59.2%
At 8.88%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
$27.9M
Total Assets
2,528
Members
$18.5M
Total Loans
$25.3M
Total Deposits
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.88% | 30% |
| Delinquency Rate | 2.25% | 25% |
| Return on Assets | 0.00% | 15% |
| Member Growth | 2.60% | 15% |
| Loan-to-Share Ratio | 73.00% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $27.9M | 2,528 |
| 2024Q4 | $24.8M | 2,464 |
| 2023Q4 | $22.1M | 2,457 |
Credit Union Details
- Charter Number
- 9413
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- Bluefield
- Data Quarter
- 2025Q4
What This Data Says About MERCER COUNTY W VA TEACHERS
MERCER COUNTY W VA TEACHERS is a federal credit union headquartered in Bluefield, West Virginia, serving 2,528 members with $27.9M in total assets and $18.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 65/100 (Good), anchored by a net worth ratio of 8.88% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #9413 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality and earnings power round out the picture. The delinquency rate of 2.25% measures loans 60+ days past due against total loans outstanding — the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 73.00% indicates how aggressively member deposits are being deployed into lending — within the 60–80% range most industry analysts consider optimally balanced between yield and liquidity.
Every deposit account at MERCER COUNTY W VA TEACHERS is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by 2.60%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Community), and current deposit and loan rates should be verified directly with MERCER COUNTY W VA TEACHERS before opening any account or borrowing.
Nearby Credit Unions in West Virginia
Other federally-insured credit unions in West Virginia, closest first by peer group and asset size.
Learn More About Credit Unions
📊 ⚖️ 🛡️ 🏦
Understanding Health Scores
How we calculate the 0–100 composite from NCUA data
Credit Union vs Bank
Compare rates, fees, services, and insurance coverage
Are Credit Unions Safe?
NCUSIF insurance explained — $250K per depositor
How to Join a Credit Union
Eligibility, field of membership, and application steps
Related Financial Data
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 MERCER COUNTY W VA TEACHERS financially healthy?
MERCER COUNTY W VA TEACHERS has a financial health score of 65/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.88% and delinquency rate of 2.25%.
How does MERCER COUNTY W VA TEACHERS compare to other credit unions?
MERCER COUNTY W VA TEACHERS scores 65/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 MERCER COUNTY W VA TEACHERS?
Membership eligibility for MERCER COUNTY W VA TEACHERS depends on its field of membership — currently: Community. Credit unions typically require a common bond such as employer, location, or association membership. Contact MERCER COUNTY W VA TEACHERS directly for current membership requirements and application steps.
Is my money safe at MERCER COUNTY W VA TEACHERS?
Federal credit unions like MERCER COUNTY W VA TEACHERS 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. MERCER COUNTY W VA TEACHERS's net worth ratio of 8.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MERCER COUNTY W VA TEACHERS offer compared to banks?
Credit unions like MERCER COUNTY W VA TEACHERS 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 MERCER COUNTY W VA TEACHERS 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.