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
Call Report peers
Raleigh Co. Educators in the assets neighbourhood
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
Raleigh Co. Educators sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in West Virginia, Natrium Employees (#16) scores 89/100, 1 point higher; one place down, Twin Oaks (#18) ties at 88/100.
Raleigh Co. Educators Call Report trajectory
Raleigh Co. Educators: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $21.3M (2025Q4) to $21.6M (2026Q1).
- Net-worth ratio shifted +0.06 pp (25.45% → 25.51%).
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
Raleigh Co. Educators gives up 12 points in total. Member Growth costs the most, 6.9 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Raleigh Co. Educators financially healthy?
On its 2025Q4 NCUA 5300 filing, Raleigh Co. Educators scores 88/100 (Excellent), with a 25.51% net worth ratio and 0.62% of loans delinquent. It ranks #1,370 of 4,374 nationally on health and #17 of 74 in West Virginia.
How does Raleigh Co. Educators compare to other credit unions?
Raleigh Co. Educators scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (25.51% vs 14.86%). Its widest shortfall is loan-to-share ratio (55.07% vs 59.80%).
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?
Raleigh Co. Educators 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. Raleigh Co. Educators's net worth ratio of 25.51% 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.