Federal credit union · WHEELING, West Virginia · NCUA charter #19881
Ohio County Public Schools
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $5.6M
- Total assets
- 618
- Members
- 12.0%
- Net-worth ratio
Ohio County Public Schools scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.6M; members 618; net-worth ratio 12.03%; health rank #2,594 of 4,374; healthier than 39th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,594 of 4,374 health · 2025Q4Ohio County Public Schools · health 81/100 · $5.6M · 2025Q4
- BOOK 81/100
- CHARTER 12.0%
- NCUSIF 0.16%
- CAMELS 1.06%
- HEALTH $5.6M
- NW 618
- DELQ #2,594/4,374
- ROA n/a
- ASSETS 19881
Call Report peers
Ohio County Public Schools carries $5.6M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Ohio County Public Schools 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
81 39th percentile higher than 39% 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
Ohio County Public Schools - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #19881 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Ohio County Public Schools diverges from peer averages
- Delinquency Rate leads the peer set - 0.16% here, 1.81% peer average (-1.65 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -9.36 pp (54.24% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ohio County Public Schools: in-state Call Report ranks
- West Virginia health ordinal: #42 of 74.
- West Virginia assets place: #64 of 74.
- Member book place in West Virginia: #66 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.
Ohio County Public Schools Call Report trajectory
Ohio County Public Schools: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $5.6M (2025Q4) to $5.7M (2026Q1).
- Net-worth ratio shifted -0.12 pp (12.15% → 12.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.03%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.0 pts
Call Report ratios for Ohio County Public Schools
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.03% | -7.03 pp |
| Delinquency Rate | 0.16% | -1.65 pp |
| Return on Assets | 1.06% | +0.61 pp |
| Member Growth | -8.71% | - |
| Loan-to-Share Ratio | 54.24% | -9.36 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Ohio County Public Schools filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.7M | - |
| 2025Q4 | $5.6M | 618 |
| 2024Q4 | $5.8M | 677 |
| 2023Q4 | $6.0M | 696 |
Credit Union Details
- Charter Number
- 19881
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- West Virginia
- City
- WHEELING
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Ohio County Public Schools.
| Office | City |
|---|---|
| OCPS FEDERAL CREDIT UNION (Main Office) | WHEELING, WV |
| OHIO COUNTY BOARD OF EDUCATION | WHEELING, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
Other federally-insured credit unions in West Virginia, closest first by peer group and asset size.
- HUNTINGTON WEST VA FIREMENSHuntington, WV · $2M–$10M85Health
- APPALACHIAN POWER EMPLOYEESHUNTINGTON, WV · $2M–$10M70Health
- TWIN OAKSApple Grove, WV · $2M–$10M88Health
- C C M HParkersburg, WV · $2M–$10M86Health
- CHARLESTON POSTALCHARLESTON, WV · $2M–$10M67Health
Compare Ohio County Public Schools vs HUNTINGTON WEST VA FIREMENS
Other-state peers near Ohio County Public Schools
Cross-state asset and health neighbours for Ohio County Public Schools - kept outside West Virginia; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Ohio County Public Schools ranks #2,594 of 4,374 nationally on financial health and #42 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Huntington West Va Firemens is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Huntington West Va Firemens
- 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 Ohio County Public Schools financially healthy?
Ohio County Public Schools has a financial health score of 81/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,594 of 4,374; by total assets it ranks #3,822 of 4,374 nationally (same basis as /rankings/largest); and #64 of 74 within West Virginia. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.03% and delinquency rate of 0.16%.
How does Ohio County Public Schools compare to other credit unions?
PlainCU's health composite puts Ohio County Public Schools at 81/100, compared to a peer group average for $2M–$10M 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 Ohio County Public Schools?
Ohio County Public Schools is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Ohio County Public Schools directly to confirm eligibility.
Is my money safe at Ohio County Public Schools?
Federal credit unions like Ohio County Public Schools 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. Ohio County Public Schools's net worth ratio of 12.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ohio County Public Schools offer compared to banks?
Credit unions like Ohio County Public Schools 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 Ohio County Public Schools 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.