Federal credit union · Parkersburg, West Virginia · NCUA charter #12143
One Community
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $102.7M
- Total assets
- 8,375
- Members
- 10.6%
- Net-worth ratio
One Community scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $102.7M; members 8,375; net-worth ratio 10.63%; health rank #973 of 4,374; healthier than 77th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#973 of 4,374 health · 2025Q4One Community · health 91/100 · $102.7M · 2025Q4
- HEALTH 91/100
- NW 10.6%
- DELQ 1.18%
- ROA 0.83%
- ASSETS $102.7M
- MEM 8,375
- RANK #973/4,374
- PHOTO America's First Network
- BOOK 12143
Call Report peers
One Community in the assets neighbourhood
One Community's $102.7M assets sit next to America's First Network ($102.7M) 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.
One Community 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
91 Top 23% higher than 77% 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
One Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #12143 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for One Community
- Largest favorable gap: Loan-to-Share Ratio at 80.20% vs peer 72.20% (+8.00 pp).
- Largest lag: Net Worth Ratio at 10.63% vs peer 12.11% (-1.48 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
West Virginia standing for One Community
- In West Virginia, health place is #10 of 74 on the same NCUA-ratio sort used nationally.
- Assets rank #11 of 74 inside West Virginia ($102.7M reported).
- Membership ranks #11 of 74 among West Virginia CUs with a reported count (8,375 members).
In-state ordinals use the live credit_unions table for WV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
One Community Call Report trajectory
One Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.9% from $102.7M (2025Q4) to $100.8M (2026Q1).
- Net-worth ratio shifted +0.29 pp (10.34% → 10.63%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.63% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.7 pts
- Return on Assets 15.0 pts
- Member Growth 12.6 pts
- Loan-to-Share Ratio 14.7 pts
One Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.63% | -1.48 pp |
| Delinquency Rate | 1.18% | +0.28 pp |
| Return on Assets | 0.83% | +0.20 pp |
| Member Growth | 2.96% | - |
| Loan-to-Share Ratio | 80.20% | +8.00 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
One Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $100.8M | - |
| 2025Q4 | $102.7M | 8,375 |
| 2024Q4 | $113.1M | 8,134 |
| 2023Q4 | $102.2M | 7,815 |
Credit Union Details
- Charter Number
- 12143
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- West Virginia
- City
- Parkersburg
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for One Community, spread across 2 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Parkersburg, WV |
| Vienna Branch | Vienna, 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.
Other-state peers near One Community
Cross-state asset and health neighbours for One Community - kept outside West Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($102.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- One Community ranks #973 of 4,374 nationally on financial health and #10 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The United is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The United
- 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 One Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, One Community carries a financial health score of 91/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #973 of 4,374; by total assets it ranks #1,800 of 4,374 nationally (same basis as /rankings/largest); and #11 of 74 within West Virginia. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.63% net worth ratio and a 1.18% delinquency rate.
How does One Community compare to other credit unions?
PlainCU's health composite puts One Community at 91/100, compared to a peer group average for $100M–$500M 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 One Community?
One Community 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 One Community directly for the exact boundaries and application steps.
Is my money safe at One Community?
Federal credit unions like One Community 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. One Community's net worth ratio of 10.63% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does One Community offer compared to banks?
Credit unions like One Community 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 One Community 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.