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
Call Report peers
National Employees in the assets neighbourhood
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National Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); National Employees sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in West Virginia, ROMNEY (#11) scores 91/100, 1 point higher; one place down, Strip Steel Community (#13) scores 89/100, 1 point lower.
Quarter path for National Employees
National Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $14.1M (2025Q4) to $14.3M (2026Q1).
- Net-worth ratio shifted -0.20 pp (13.81% → 13.61%).
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
National Employees gives up 10 points in total. Member Growth costs the most, 4.6 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is National Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, National Employees scores 90/100 (Excellent), with a 13.61% net worth ratio and 0.75% of loans delinquent. It ranks #1,087 of 4,374 nationally on health and #12 of 74 in West Virginia.
How does National Employees compare to other credit unions?
National Employees scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (71.78% vs 59.80%). Its widest shortfall is net worth ratio (13.61% vs 14.86%).
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?
National Employees 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. National Employees's net worth ratio of 13.61% 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.