Federal credit union · Proctor, West Virginia · NCUA charter #24090
Natrium Employees
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $11.7M
- Total assets
- 750
- Members
- 12.0%
- Net-worth ratio
Natrium Employees scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.7M; members 750; net-worth ratio 11.98%; health rank #1,270 of 4,374; healthier than 69th of scored peers.
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NCUA 5300 Call Report Masthead
#1,270 of 4,374 health · 2025Q4Natrium Employees · health 89/100 · $11.7M · 2025Q4
Call Report peers
Natrium Employees in the assets neighbourhood
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Natrium Employees vs every NCUA-scored credit union
Natrium Employees sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
Natrium Employees vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +5.71 pp (65.51% vs 59.80%).
- Largest lag: Net Worth Ratio at 11.98% vs peer 14.86% (-2.88 pp).
West Virginia standing for Natrium Employees
- West Virginia health ordinal: #16 of 74.
- Assets rank #53 of 74 inside West Virginia ($11.7M reported).
- Membership ranks #62 of 74 among West Virginia CUs with a reported count (750 members).
- One place up in West Virginia, CHA-TEL (#15) ties at 89/100; one place down, Raleigh Co. Educators (#17) scores 88/100, 1 point lower.
Natrium Employees Call Report trajectory
Natrium Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $11.7M (2025Q4) to $11.8M (2026Q1).
- Net-worth ratio shifted +0.44 pp (11.54% → 11.98%).
At 11.98%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Natrium Employees gives up 11 points in total. Member Growth costs the most, 5.8 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.6 pts
- Return on Assets 15.0 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 14.2 pts
Natrium Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.98% | -2.88 pp |
| Delinquency Rate | 0.94% | -0.20 pp |
| Return on Assets | 1.24% | +0.54 pp |
| Member Growth | 0.13% | - |
| Loan-to-Share Ratio | 65.51% | +5.71 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Natrium Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.8M | - |
| 2025Q4 | $11.7M | 750 |
| 2024Q4 | $10.2M | 749 |
| 2023Q4 | $11.0M | 716 |
Credit Union Details
- Charter Number
- 24090
- Type
- Federal
- Field of Membership
- Healthcare
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- Proctor
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Natrium Employees.
| Office | City |
|---|---|
| Main Office (Main Office) | Proctor, 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.
Cross-state Call Report peers for Natrium Employees
Similar total assets
Similar health score
Using this data
- Natrium Employees ranks #1,270 of 4,374 nationally on financial health and #16 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Willow Island is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Willow Island
Frequently Asked Questions
Is Natrium Employees financially healthy?
Natrium Employees has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,270 of 4,374 nationally on health and #16 of 74 in West Virginia. Its net worth ratio is 11.98% and its delinquency rate 0.94%.
How does Natrium Employees compare to other credit unions?
Natrium Employees scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (65.51% vs 59.80%). Its widest shortfall is net worth ratio (11.98% vs 14.86%).
How can I join Natrium Employees?
Natrium Employees is chartered around a single common bond (Healthcare), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Natrium Employees directly to confirm eligibility.
Is my money safe at Natrium Employees?
Natrium 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. Natrium Employees's net worth ratio of 11.98% 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.