Federal credit union · Huntington, West Virginia · NCUA charter #11323
PACE
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $8.6M
- Total assets
- 1,200
- Members
- 12.9%
- Net-worth ratio
PACE scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.6M; members 1,200; net-worth ratio 12.87%; health rank #3,091 of 4,374; healthier than 28th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,091 of 4,374 health · 2025Q4PACE · health 77/100 · $8.6M · 2025Q4
- RANK 77/100
- PHOTO 12.9%
- BOOK 0.00%
- CHARTER -0.54%
- NCUSIF $8.6M
- CAMELS 1,200
- HEALTH #3,091/4,374
- NW n/a
- DELQ 11323
Call Report peers
PACE carries $8.6M 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.
PACE 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
77 28th percentile higher than 28% 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
PACE - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #11323, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
PACE vs $2M–$10M peers
- Delinquency Rate leads the peer set - 0.00% here, 1.81% peer average (-1.81 pp).
- Largest lag: Net Worth Ratio at 12.87% vs peer 19.06% (-6.19 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
West Virginia standing for PACE
- Health composite ranks #50 of 74 among scored West Virginia credit unions.
- By total assets, PACE is #58 of 74 in West Virginia.
- Member book place in West Virginia: #54 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 PACE
PACE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.2% from $8.6M (2025Q4) to $8.6M (2026Q1).
- Net-worth ratio shifted -0.02 pp (12.89% → 12.87%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.87% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 13.0 pts
Call Report ratios for PACE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.87% | -6.19 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | -0.54% | -0.99 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 61.64% | -1.96 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).
Call Report history - PACE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.6M | - |
| 2025Q4 | $8.6M | 1,200 |
| 2024Q4 | $8.6M | 1,200 |
| 2023Q4 | $10.0M | 1,200 |
Credit Union Details
- Charter Number
- 11323
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- West Virginia
- City
- Huntington
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for PACE.
| Office | City |
|---|---|
| Pace Federal Credit Union (Main Office) | Huntington, 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 PACE
Cross-state asset and health neighbours for PACE - 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 (77/100 here).
Using this data
- PACE ranks #3,091 of 4,374 nationally on financial health and #50 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FAYETTE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FAYETTE
- 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 PACE financially healthy?
PACE scores 77/100 (Very Good) 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 #3,091 of 4,374; by total assets it ranks #3,631 of 4,374 nationally (same basis as /rankings/largest); and #58 of 74 within West Virginia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.87% net worth ratio and a 0.00% delinquency rate.
How does PACE compare to other credit unions?
PACE scores 77/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 PACE?
PACE carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact PACE directly to confirm current membership steps.
Is my money safe at PACE?
Federal credit unions like PACE 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. PACE's net worth ratio of 12.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PACE offer compared to banks?
Credit unions like PACE 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 PACE 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.