Federal credit union · BECKLEY, West Virginia · NCUA charter #23722
Raleigh Co. Educators
Health score 88/100, grade A (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 scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.3M; members 2,288; net-worth ratio 25.51%; health rank #1,370 of 4,374; healthier than 65th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,370 of 4,374 health · 2025Q4Raleigh Co. Educators · health 88/100 · $21.3M · 2025Q4
- DELQ 88/100
- ROA 25.5%
- ASSETS 0.62%
- MEM 0.75%
- RANK $21.3M
- PHOTO 2,288
- BOOK #1,370/4,374
- CHARTER Essex County Teachers
- NCUSIF 23722
Call Report peers
Raleigh Co. Educators in the assets neighbourhood
Raleigh Co. Educators's $21.3M assets sit next to Essex County Teachers ($21.3M) 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.
Raleigh Co. Educators 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
88 Top 35% higher than 65% 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
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 vs $10M–$50M peers
- Net Worth Ratio leads the peer set - 25.51% here, 14.86% peer average (+10.65 pp).
- Loan-to-Share Ratio trails the peer set - 55.07% here, 59.80% peer average (-4.73 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Raleigh Co. Educators in West Virginia
- Health composite ranks #17 of 74 among scored West Virginia credit unions.
- By total assets, Raleigh Co. Educators is #40 of 74 in West Virginia.
- West Virginia membership ordinal: #37 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.
Raleigh Co. Educators Call Report trajectory
Raleigh Co. Educators: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $21.3M (2025Q4) to $21.6M (2026Q1).
- Net-worth ratio shifted +0.06 pp (25.45% → 25.51%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 25.51%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.8 pts
- Return on Assets 15.0 pts
- Member Growth 8.1 pts
- Loan-to-Share Ratio 11.1 pts
Raleigh Co. Educators vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 25.51% | +10.65 pp |
| Delinquency Rate | 0.62% | -0.52 pp |
| Return on Assets | 0.75% | +0.05 pp |
| Member Growth | -0.52% | - |
| Loan-to-Share Ratio | 55.07% | -4.73 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Raleigh Co. Educators filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.6M | - |
| 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
Branch Locations (3)
Raleigh Co. Educators operates 3 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Raleigh County Educators Federal Credit Union (Main Office) | Beckley, WV |
| RW Electric Company | Beckley, WV |
| FISERVE | BROOKFIELD, WI |
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.
Cross-state Call Report peers for Raleigh Co. Educators
Two NCUA Call Report peer sets for Raleigh Co. Educators, both outside West Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($21.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Raleigh Co. Educators ranks #1,370 of 4,374 nationally on financial health and #17 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Raleigh County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Raleigh County
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,370 of 4,374; by total assets it ranks #3,105 of 4,374 nationally (same basis as /rankings/largest); and #40 of 74 within West Virginia. Above 80 reads excellent, below 50 warrants closer monitoring; a 25.51% 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 25.51% 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.
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.