Federal credit union · South Charlesto, West Virginia · NCUA charter #16989
South Charleston Employees
Health score 67/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $14.7M
- Total assets
- 1,213
- Members
- 57.6%
- Net-worth ratio
South Charleston Employees - Share Insurance Coverage
Charter #16989'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.
South Charleston Employees - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth47
- Liquidity (loan-to-share)100
Weighted composite: 67/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 57.59%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 57.59% | 30% |
| Delinquency Rate | 4.01% | 25% |
| Return on Assets | 0.50% | 15% |
| Member Growth | -1.06% | 15% |
| Loan-to-Share Ratio | 76.52% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $14.7M | 1,213 |
| 2024Q4 | $14.6M | 1,226 |
| 2023Q4 | $15.4M | 1,233 |
Credit Union Details
- Charter Number
- 16989
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- South Charlesto
- Data Quarter
- 2025Q4
What This Data Says About South Charleston Employees
South Charleston Employees is a federal credit union headquartered in South Charlesto, West Virginia, serving 1,213 members with $14.7M in total assets and $4.7M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 67/100 (Good), anchored by a net worth ratio of 57.59% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #16989 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 4.01% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. The loan-to-share ratio of 76.52% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.50% on net income of $73K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.06%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other/Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in West Virginia
Other federally-insured credit unions in West Virginia, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is South Charleston Employees financially healthy?
South Charleston Employees has a financial health score of 67/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 57.59% and delinquency rate of 4.01%.
How does South Charleston Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce South Charleston Employees's 67/100 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 South Charleston Employees?
South Charleston Employees 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 South Charleston Employees directly for the exact boundaries and application steps.
Is my money safe at South Charleston Employees?
Federal credit unions like South Charleston Employees 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. South Charleston Employees's net worth ratio of 57.59% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does South Charleston Employees offer compared to banks?
Credit unions like South Charleston Employees 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 South Charleston Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.