Federal credit union · BECKLEY, West Virginia · NCUA charter #23722
Raleigh Co. Educators
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $21.3M
- Total assets
- 2,288
- Members
- 25.5%
- Net-worth ratio
Raleigh Co. Educators - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #23722: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Raleigh Co. Educators - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)95
- Earnings (ROA)100
- Member growth54
- Liquidity (loan-to-share)78
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 25.45%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 25.45% | 30% |
| Delinquency Rate | 0.62% | 25% |
| Return on Assets | 0.75% | 15% |
| Member Growth | -0.52% | 15% |
| Loan-to-Share Ratio | 55.07% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $21.3M | 2,288 |
| 2024Q4 | $21.2M | 2,300 |
| 2023Q4 | $20.8M | 2,300 |
Credit Union Details
- Charter Number
- 23722
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- BECKLEY
- Data Quarter
- 2025Q4
What This Data Says About Raleigh Co. Educators
Headquartered in BECKLEY, West Virginia, Raleigh Co. Educators is a federal credit union with 2,288 members, $21.3M in total assets, and $8.7M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 88/100 (Excellent), driven in part by a net worth ratio of 25.45% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #23722 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 55.07% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.62% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 0.75% on net income of $160K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.52%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Single Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in West Virginia
More federally-insured credit unions based in West Virginia, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Raleigh Co. Educators financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - Raleigh Co. Educators's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 25.45% net worth ratio and 0.62% delinquency rate are the key drivers.
How does Raleigh Co. Educators compare to other credit unions?
On PlainCU's health composite, Raleigh Co. Educators lands at 88/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Raleigh Co. Educators?
Raleigh Co. Educators 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 Raleigh Co. Educators directly to confirm eligibility.
Is my money safe at Raleigh Co. Educators?
Federal credit unions like Raleigh Co. Educators 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. Raleigh Co. Educators's net worth ratio of 25.45% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Raleigh Co. Educators offer compared to banks?
Credit unions like Raleigh Co. Educators 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 Raleigh Co. Educators directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.