Federal credit union · Morgantown, West Virginia · NCUA charter #10695
Morgantown a E S
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $38.2M
- Total assets
- 4,224
- Members
- 9.5%
- Net-worth ratio
Morgantown a E S scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $38.2M; members 4,224; net-worth ratio 9.51%; health rank #3,489 of 4,374; healthier than 20th of scored peers.
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NCUA 5300 Call Report Masthead
#3,489 of 4,374 health · 2025Q4Morgantown a E S · health 72/100 · $38.2M · 2025Q4
Call Report peers
Morgantown a E S in the assets neighbourhood
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Morgantown a E S vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Morgantown a E S sits in 70-74 with 317 others.
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Morgantown a E S
- Delinquency Rate leads the peer set - 0.79% here, 1.15% peer average (-0.36 pp).
- Net Worth Ratio trails the peer set - 9.51% here, 14.86% peer average (-5.35 pp).
Morgantown a E S in West Virginia
- In West Virginia, health place is #55 of 74 on the same NCUA-ratio sort used nationally.
- By total assets, Morgantown a E S is #28 of 74 in West Virginia.
- Member book place in West Virginia: #26 of 74.
- One place up in West Virginia, Ibew 317 (#54) ties at 72/100; one place down, WEE (#56) scores 71/100, 1 point lower.
Morgantown a E S: 2025Q4 → 2026Q1
Morgantown a E S: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.8% from $38.2M (2025Q4) to $37.9M (2026Q1).
- Net-worth ratio shifted +0.11 pp (9.40% → 9.51%).
9.51% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 72/100 score is built
Morgantown a E S gives up 28 points in total. Member Growth costs the most, 10.7 of its 15; Net Worth Ratio loses the least, 1.2.
- Net Worth Ratio 28.8 pts
- Delinquency Rate 22.1 pts
- Return on Assets 4.5 pts
- Member Growth 4.3 pts
- Loan-to-Share Ratio 12.3 pts
Call Report ratios for Morgantown a E S
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.51% | -5.35 pp |
| Delinquency Rate | 0.79% | -0.36 pp |
| Return on Assets | 0.00% | -0.70 pp |
| Member Growth | -2.63% | - |
| Loan-to-Share Ratio | 57.64% | -2.16 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Morgantown a E S filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $37.9M | - |
| 2025Q4 | $38.2M | 4,224 |
| 2024Q4 | $38.8M | 4,338 |
| 2023Q4 | $43.3M | 4,423 |
Credit Union Details
- Charter Number
- 10695
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- Morgantown
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Morgantown a E S.
| Office | City |
|---|---|
| Morgantown AES FCU Main Office (Main Office) | Morgantown, 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.
Other-state peers near Morgantown a E S
Similar total assets
Similar health score
Using this data
- Morgantown a E S ranks #3,489 of 4,374 nationally on financial health and #55 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HOME is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HOME
Frequently Asked Questions
Is Morgantown a E S financially healthy?
Morgantown a E S has a financial health score of 72/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,489 of 4,374 nationally on health and #55 of 74 in West Virginia. Its net worth ratio is 9.51% and its delinquency rate 0.79%.
How does Morgantown a E S compare to other credit unions?
Morgantown a E S scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.79% vs 1.15%). Its widest shortfall is net worth ratio (9.51% vs 14.86%).
How can I join Morgantown a E S?
Morgantown a E S serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Morgantown a E S directly for the current list of qualifying groups.
Is my money safe at Morgantown a E S?
Morgantown a E S 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. Morgantown a E S's net worth ratio of 9.51% 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.