State credit union · CHARLESTON, West Virginia · NCUA charter #67222
The State
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $92.6M
- Total assets
- 8,408
- Members
- 18.8%
- Net-worth ratio
The State scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $92.6M; members 8,408; net-worth ratio 18.83%; health rank #319 of 4,374; healthier than 90th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#319 of 4,374 health · 2025Q4The State · health 95/100 · $92.6M · 2025Q4
- CAMELS 95/100
- HEALTH 18.8%
- NW 0.06%
- DELQ 1.58%
- ROA $92.6M
- ASSETS 8,408
- MEM #319/4,374
- RANK Central Jersey
- PHOTO 67222
Call Report peers
The State in the assets neighbourhood
The State's $92.6M assets sit next to Central Jersey ($92.6M) 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.
The State 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
95 Top 10% higher than 90% 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
The State - Share Insurance Coverage
Charter #67222'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 The State
- Largest favorable gap: Loan-to-Share Ratio at 69.97% vs peer 62.60% (+7.37 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
The State in West Virginia
- In West Virginia, health place is #3 of 74 on the same NCUA-ratio sort used nationally.
- By total assets, The State is #13 of 74 in West Virginia.
- West Virginia membership ordinal: #10 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.
The State Call Report trajectory
The State: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $92.6M (2025Q4) to $94.9M (2026Q1).
- Net-worth ratio shifted -0.20 pp (19.03% → 18.83%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 18.83% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.83% | +5.21 pp |
| Delinquency Rate | 0.06% | -0.91 pp |
| Return on Assets | 1.58% | +0.93 pp |
| Member Growth | 0.55% | - |
| Loan-to-Share Ratio | 69.97% | +7.37 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $94.9M | - |
| 2025Q4 | $92.6M | 8,408 |
| 2024Q4 | $87.0M | 8,362 |
| 2023Q4 | $83.9M | 8,365 |
Credit Union Details
- Charter Number
- 67222
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- West Virginia
- City
- CHARLESTON
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, The State runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| 2200 WASHINGTON STREET E (Main Office) | CHARLESTON, WV |
| FISERV PORTICO | FRISCO, TX |
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.
The State nationwide neighbourhoods
Cross-state asset and health neighbours for The State - kept outside West Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($92.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- The State ranks #319 of 4,374 nationally on financial health and #3 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members Choice Wv is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members Choice Wv
- 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 The State financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, The State carries a financial health score of 95/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #319 of 4,374; by total assets it ranks #1,892 of 4,374 nationally (same basis as /rankings/largest); and #13 of 74 within West Virginia. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 18.83% net worth ratio and a 0.06% delinquency rate.
How does The State compare to other credit unions?
PlainCU's health composite puts The State at 95/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 The State?
Membership eligibility for The State depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact The State directly for current membership requirements and application steps.
Is my money safe at The State?
Federal credit unions like The State 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. The State's net worth ratio of 18.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does The State offer compared to banks?
Credit unions like The State 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 The State 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.