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
Call Report peers
Raleigh County in the assets neighbourhood
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Raleigh County vs every NCUA-scored credit union
Raleigh County sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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.
- One place up in West Virginia, C C M H (#27) scores 86/100, 1 point higher; one place down, Teamsters Local 697 (#29) ties at 85/100.
Raleigh County: 2025Q4 → 2026Q1
Raleigh County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.2% from $20.0M (2025Q4) to $20.8M (2026Q1).
- Net-worth ratio shifted -0.35 pp (13.11% → 12.76%).
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
Raleigh County gives up 15 points in total. Member Growth costs the most, 11.1 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Raleigh County financially healthy?
Raleigh County has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,955 of 4,374 nationally on health and #28 of 74 in West Virginia. Its net worth ratio is 12.76% and its delinquency rate 0.59%.
How does Raleigh County compare to other credit unions?
Raleigh County scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (65.85% vs 59.80%). Its widest shortfall is net worth ratio (12.76% vs 14.86%).
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?
Raleigh County 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 County's net worth ratio of 12.76% 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.