Federal credit union · South Charlesto, West Virginia · NCUA charter #16989
South Charleston Employees
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $14.7M
- Total assets
- 1,213
- Members
- 58.9%
- Net-worth ratio
South Charleston Employees scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.7M; members 1,213; net-worth ratio 58.91%; health rank #3,737 of 4,374; healthier than 13th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,737 of 4,374 health · 2025Q4South Charleston Employees · health 67/100 · $14.7M · 2025Q4
Call Report peers
South Charleston Employees in the assets neighbourhood
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South Charleston Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); South Charleston Employees sits in 65-69 with 275 others.
67 13th percentile higher than 13% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
South Charleston Employees vs $10M–$50M peers
- Largest favorable gap: Net Worth Ratio at 58.91% vs peer 14.86% (+44.05 pp).
- Largest lag: Delinquency Rate at 4.01% vs peer 1.15% (+2.86 pp).
South Charleston Employees in West Virginia
- Health composite ranks #65 of 74 among scored West Virginia credit unions.
- Assets rank #47 of 74 inside West Virginia ($14.7M reported).
- West Virginia membership ordinal: #53 of 74.
- One place up in West Virginia, Mountain Heritage (#64) scores 68/100, 1 point higher; one place down, Charleston Postal (#66) ties at 67/100.
How South Charleston Employees's 5300 filing moved
South Charleston Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.9% from $14.7M (2025Q4) to $14.4M (2026Q1).
- Net-worth ratio shifted +1.32 pp (57.59% → 58.91%).
At 58.91%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 67/100 score is built
South Charleston Employees gives up 33 points in total. Delinquency Rate costs the most, 25 of its 25; Return on Assets and Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.1 pts
- Loan-to-Share Ratio 14.9 pts
South Charleston Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 58.91% | +44.05 pp |
| Delinquency Rate | 4.01% | +2.86 pp |
| Return on Assets | 0.50% | -0.21 pp |
| Member Growth | -1.06% | - |
| Loan-to-Share Ratio | 76.52% | +16.72 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
South Charleston Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.4M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, South Charleston Employees runs one office.
| Office | City |
|---|---|
| Credit Union Office (Main Office) | South Charleston, 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.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- South Charleston Employees ranks #3,737 of 4,374 nationally on financial health and #65 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CHARLESTON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CHARLESTON
Frequently Asked Questions
Is South Charleston Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, South Charleston Employees scores 67/100 (Good), with a 58.91% net worth ratio and 4.01% of loans delinquent. It ranks #3,737 of 4,374 nationally on health and #65 of 74 in West Virginia.
How does South Charleston Employees compare to other credit unions?
South Charleston Employees scores 67/100, higher than 13% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (58.91% vs 14.86%). Its widest shortfall is delinquency rate (4.01% vs 1.15%).
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?
South Charleston Employees 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. South Charleston Employees's net worth ratio of 58.91% 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.