Federal credit union · BLUEFIELD, West Virginia · NCUA charter #5713
National Employees
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $14.1M
- Total assets
- 3,016
- Members
- 13.6%
- Net-worth ratio
National Employees scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.1M; members 3,016; net-worth ratio 13.61%; health rank #1,087 of 4,374; healthier than 73rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,087 of 4,374 health · 2025Q4National Employees · health 90/100 · $14.1M · 2025Q4
- CHARTER 90/100
- NCUSIF 13.6%
- CAMELS 0.75%
- HEALTH 0.31%
- NW $14.1M
- DELQ 3,016
- ROA #1,087/4,374
- ASSETS Cambridge Firefighters
- MEM 5713
Call Report peers
National Employees in the assets neighbourhood
National Employees's $14.1M assets sit next to Cambridge Firefighters ($14.1M) 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.
National Employees 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
90 Top 27% higher than 73% 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
National Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #5713. See our deposit-insurance coverage note.
National Employees: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 71.78% here, 59.80% peer average (+11.98 pp).
- Largest lag: Net Worth Ratio at 13.61% vs peer 14.86% (-1.25 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
National Employees: in-state Call Report ranks
- In West Virginia, health place is #12 of 74 on the same NCUA-ratio sort used nationally.
- By total assets, National Employees is #49 of 74 in West Virginia.
- West Virginia membership ordinal: #31 of 74.
In-state ordinals use the live credit_unions table for WV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for National Employees
National Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $14.1M (2025Q4) to $14.3M (2026Q1).
- Net-worth ratio shifted -0.20 pp (13.81% → 13.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.61% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.5 pts
- Return on Assets 12.2 pts
- Member Growth 10.4 pts
- Loan-to-Share Ratio 14.9 pts
National Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.61% | -1.25 pp |
| Delinquency Rate | 0.75% | -0.39 pp |
| Return on Assets | 0.31% | -0.39 pp |
| Member Growth | 1.14% | - |
| Loan-to-Share Ratio | 71.78% | +11.98 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - National Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.3M | - |
| 2025Q4 | $14.1M | 3,016 |
| 2024Q4 | $14.8M | 2,982 |
| 2023Q4 | $14.0M | 2,892 |
Credit Union Details
- Charter Number
- 5713
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- BLUEFIELD
- Data Quarter
- 2025Q4
Branch Location
National Employees operates a single office in BLUEFIELD, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| National Employees Federal Credit Union (Main Office) | BLUEFIELD, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
More federally-insured credit unions based in West Virginia, ordered by peer group match and asset size.
Cross-state Call Report peers for National Employees
National Employees'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 ($14.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- National Employees ranks #1,087 of 4,374 nationally on financial health and #12 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ROMNEY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ROMNEY
- 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 National Employees financially healthy?
National Employees scores 90/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,087 of 4,374; by total assets it ranks #3,358 of 4,374 nationally (same basis as /rankings/largest); and #49 of 74 within West Virginia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.61% net worth ratio and a 0.75% delinquency rate.
How does National Employees compare to other credit unions?
PlainCU's health composite puts National Employees at 90/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 National Employees?
National Employees 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 National Employees directly for the exact boundaries and application steps.
Is my money safe at National Employees?
Federal credit unions like National Employees 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. National Employees's net worth ratio of 13.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does National Employees offer compared to banks?
Credit unions like National Employees 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 National Employees 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.