Federal credit union · BECKLEY, West Virginia · NCUA charter #7790
Raleigh County
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $20.0M
- Total assets
- 2,043
- Members
- 12.8%
- Net-worth ratio
Raleigh County scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.0M; members 2,043; net-worth ratio 12.76%; health rank #1,955 of 4,374; healthier than 54th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,955 of 4,374 health · 2025Q4Raleigh County · health 85/100 · $20.0M · 2025Q4
- NCUSIF 85/100
- CAMELS 12.8%
- HEALTH 0.59%
- NW 0.38%
- DELQ $20.0M
- ROA 2,043
- ASSETS #1,955/4,374
- MEM East Orange Va Hospital
- RANK 7790
Call Report peers
Raleigh County in the assets neighbourhood
Raleigh County's $20.0M assets sit next to East Orange Va Hospital ($20.0M) 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 County 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
85 Top 46% higher than 54% 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 County - Share Insurance Coverage
Charter #7790's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Raleigh County
- Loan-to-Share Ratio leads the peer set - 65.85% here, 59.80% peer average (+6.05 pp).
- Largest lag: Net Worth Ratio at 12.76% vs peer 14.86% (-2.10 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Raleigh County sits in West Virginia
- Health composite ranks #28 of 74 among scored West Virginia credit unions.
- By total assets, Raleigh County is #41 of 74 in West Virginia.
- Member book place in West Virginia: #38 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 County: 2025Q4 → 2026Q1
Raleigh County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.2% from $20.0M (2025Q4) to $20.8M (2026Q1).
- Net-worth ratio shifted -0.35 pp (13.11% → 12.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.76% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.1 pts
- Return on Assets 13.2 pts
- Member Growth 3.9 pts
- Loan-to-Share Ratio 13.8 pts
Raleigh County health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.76% | -2.10 pp |
| Delinquency Rate | 0.59% | -0.56 pp |
| Return on Assets | 0.38% | -0.33 pp |
| Member Growth | -2.81% | - |
| Loan-to-Share Ratio | 65.85% | +6.05 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).
Call Report history - Raleigh County
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $20.8M | - |
| 2025Q4 | $20.0M | 2,043 |
| 2024Q4 | $19.2M | 2,102 |
| 2023Q4 | $18.7M | 2,024 |
Credit Union Details
- Charter Number
- 7790
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- BECKLEY
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Raleigh County.
| Office | City |
|---|---|
| Main Office - 200 Veterans Ave (Main Office) | Beckley, 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 Raleigh County
Raleigh County's nationwide photo peers by assets and by health score, excluding West Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($20.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Raleigh County ranks #1,955 of 4,374 nationally on financial health and #28 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Raleigh Co. Educators is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Raleigh Co. Educators
- 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 County financially healthy?
Raleigh County has a financial health score of 85/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,955 of 4,374; by total assets it ranks #3,159 of 4,374 nationally (same basis as /rankings/largest); and #41 of 74 within West Virginia. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.76% and delinquency rate of 0.59%.
How does Raleigh County compare to other credit unions?
Five weighted metrics from NCUA filings produce Raleigh County's 85/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 County?
Raleigh County 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 Raleigh County directly to confirm current membership steps.
Is my money safe at Raleigh County?
Federal credit unions like Raleigh County 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 County's net worth ratio of 12.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Raleigh County offer compared to banks?
Credit unions like Raleigh County 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 County 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.