Federal credit union · RAVENSWOOD, West Virginia · NCUA charter #13321
RAVENSWOOD
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $48.4M
- Total assets
- 5,401
- Members
- 8.8%
- Net-worth ratio
RAVENSWOOD scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $48.4M; members 5,401; net-worth ratio 8.77%; health rank #3,836 of 4,374; healthier than 12th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,836 of 4,374 health · 2025Q4RAVENSWOOD · health 66/100 · $48.4M · 2025Q4
Call Report peers
RAVENSWOOD in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
RAVENSWOOD vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); RAVENSWOOD sits in 65-69 with 275 others.
66 12th percentile higher than 12% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where RAVENSWOOD diverges from peer averages
- Loan-to-Share Ratio trails the peer set - 40.90% here, 59.80% peer average (-18.90 pp).
Where RAVENSWOOD sits in West Virginia
- In West Virginia, health place is #69 of 74 on the same NCUA-ratio sort used nationally.
- West Virginia assets place: #23 of 74.
- Membership ranks #19 of 74 among West Virginia CUs with a reported count (5,401 members).
- One place up in West Virginia, Star USA (#68) ties at 66/100; one place down, Alderson Fci (#70) scores 62/100, 4 points lower.
RAVENSWOOD Call Report trajectory
RAVENSWOOD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.0% from $48.4M (2025Q4) to $51.3M (2026Q1).
- Net-worth ratio shifted -0.47 pp (9.24% → 8.77%).
This credit union's 8.77% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 66/100 score is built
RAVENSWOOD gives up 34 points in total. Delinquency Rate costs the most, 14.1 of its 25; Net Worth Ratio loses the least, 3.1.
- Net Worth Ratio 26.9 pts
- Delinquency Rate 10.9 pts
- Return on Assets 9.6 pts
- Member Growth 9.4 pts
- Loan-to-Share Ratio 9.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.77% | -6.09 pp |
| Delinquency Rate | 2.26% | +1.11 pp |
| Return on Assets | 0.14% | -0.57 pp |
| Member Growth | 0.35% | - |
| Loan-to-Share Ratio | 40.90% | -18.90 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
RAVENSWOOD filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $51.3M | - |
| 2025Q4 | $48.4M | 5,401 |
| 2024Q4 | $44.4M | 5,382 |
| 2023Q4 | $43.1M | 5,354 |
Credit Union Details
- Charter Number
- 13321
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- RAVENSWOOD
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for RAVENSWOOD, spread across 2 cities.
| Office | City |
|---|---|
| Ravenswood (Main Office) | Ravenswood, WV |
| Ripley | Ripley, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
Other federally-insured credit unions in West Virginia, closest first by peer group and asset size.
RAVENSWOOD nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- RAVENSWOOD ranks #3,836 of 4,374 nationally on financial health and #69 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Metro Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Metro Community
Frequently Asked Questions
Is RAVENSWOOD financially healthy?
On its 2025Q4 NCUA 5300 filing, RAVENSWOOD scores 66/100 (Good), with a 8.77% net worth ratio and 2.26% of loans delinquent. It ranks #3,836 of 4,374 nationally on health and #69 of 74 in West Virginia.
How does RAVENSWOOD compare to other credit unions?
RAVENSWOOD scores 66/100, higher than 12% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (40.90% vs 59.80%).
How can I join RAVENSWOOD?
RAVENSWOOD operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact RAVENSWOOD directly for the exact boundaries and application steps.
Is my money safe at RAVENSWOOD?
RAVENSWOOD 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. RAVENSWOOD's net worth ratio of 8.77% 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.