Federal credit union · ELEANOR, West Virginia · NCUA charter #21107
Putnam School Employees
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $13.7M
- Total assets
- 1,903
- Members
- 20.9%
- Net-worth ratio
Putnam School Employees scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.7M; members 1,903; net-worth ratio 20.87%; health rank #1,559 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,559 of 4,374 health · 2025Q4Putnam School Employees · health 87/100 · $13.7M · 2025Q4
Call Report peers
Putnam School Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Putnam School Employees vs every NCUA-scored credit union
Putnam School Employees sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Putnam School Employees diverges from peer averages
- Net Worth Ratio leads the peer set - 20.87% here, 14.86% peer average (+6.01 pp).
Where Putnam School Employees sits in West Virginia
- In West Virginia, health place is #21 of 74 on the same NCUA-ratio sort used nationally.
- West Virginia assets place: #50 of 74.
- West Virginia membership ordinal: #41 of 74.
- One place up in West Virginia, Local No. 317 I.a.F.F. (#20) scores 88/100, 1 point higher; one place down, Kemba Charleston (#22) ties at 87/100.
Putnam School Employees Call Report trajectory
Putnam School Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $13.7M (2025Q4) to $14.1M (2026Q1).
- Net-worth ratio shifted +0.05 pp (20.82% → 20.87%).
20.87% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Putnam School Employees gives up 13 points in total. Member Growth costs the most, 11.1 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.7 pts
- Return on Assets 15.0 pts
- Member Growth 3.9 pts
- Loan-to-Share Ratio 13.4 pts
Putnam School Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.87% | +6.01 pp |
| Delinquency Rate | 0.53% | -0.62 pp |
| Return on Assets | 1.60% | +0.90 pp |
| Member Growth | -2.81% | - |
| Loan-to-Share Ratio | 63.70% | +3.90 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Putnam School Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.1M | - |
| 2025Q4 | $13.7M | 1,903 |
| 2024Q4 | $13.7M | 1,958 |
| 2023Q4 | $14.7M | 1,984 |
Credit Union Details
- Charter Number
- 21107
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- ELEANOR
- Data Quarter
- 2025Q4
Branch Locations (3)
Putnam School Employees operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| PUTNAM CAREER AND TECH CENTER (Main Office) | ELEANOR, WV |
| Vital Records Center | ELeanor, WV |
| Judy's Home | Winfield, 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.
Other-state peers near Putnam School Employees
Similar total assets
Using this data
- Putnam School Employees ranks #1,559 of 4,374 nationally on financial health and #21 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- National Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with National Employees
Frequently Asked Questions
Is Putnam School Employees financially healthy?
Putnam School Employees has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,559 of 4,374 nationally on health and #21 of 74 in West Virginia. Its net worth ratio is 20.87% and its delinquency rate 0.53%.
How does Putnam School Employees compare to other credit unions?
Putnam School Employees scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (20.87% vs 14.86%).
How can I join Putnam School Employees?
Putnam School 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 Putnam School Employees directly for the exact boundaries and application steps.
Is my money safe at Putnam School Employees?
Putnam School 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. Putnam School Employees's net worth ratio of 20.87% 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.