Federal credit union · Morgantown, West Virginia · NCUA charter #10695
Morgantown a E S
Health score 72/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $38.2M
- Total assets
- 4,224
- Members
- 9.4%
- Net-worth ratio
Morgantown a E S - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #10695, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Morgantown a E S - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)95
- Asset quality (delinquency)89
- Earnings (ROA)30
- Member growth28
- Liquidity (loan-to-share)81
Weighted composite: 72/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.40% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.40% | 30% |
| Delinquency Rate | 0.79% | 25% |
| Return on Assets | 0.00% | 15% |
| Member Growth | -2.63% | 15% |
| Loan-to-Share Ratio | 57.64% | 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 | $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
What This Data Says About Morgantown a E S
The five-factor composite scores Morgantown a E S at 72/100 (Very Good), reflecting a net worth ratio of 9.40% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Morgantown, West Virginia, reports 4,224 members, $38.2M in total assets, and $19.9M in outstanding loans as of Q4 2025 under charter #10695 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
On loan book quality: 0.79% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 57.64% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.00% on net income of $183 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 -2.63%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
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 Morgantown a E S financially healthy?
Morgantown a E S scores 72/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.40% net worth ratio and a 0.79% delinquency rate.
How does Morgantown a E S compare to other credit unions?
Morgantown a E S scores 72/100 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 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?
Federal credit unions like Morgantown a E S 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. Morgantown a E S's net worth ratio of 9.40% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Morgantown a E S offer compared to banks?
Credit unions like Morgantown a E S 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 Morgantown a E S 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.