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
Call Report peers
The State in the assets neighbourhood
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The State vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); The State sits in 95-99 with 391 others.
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
Peer-gap read for The State
- Largest favorable gap: Loan-to-Share Ratio at 69.97% vs peer 62.60% (+7.37 pp).
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.
- One place up in West Virginia, Eagle Can Employees (#2) ties at 95/100; one place down, West Virginia Central (#4) ties at 95/100.
The State Call Report trajectory
The State: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $92.6M (2025Q4) to $94.9M (2026Q1).
- Net-worth ratio shifted -0.20 pp (19.03% → 18.83%).
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
The State gives up 5 points in total. Member Growth costs the most, 5.3 of its 15; Loan-to-Share Ratio and Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is The State financially healthy?
The State has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #319 of 4,374 nationally on health and #3 of 74 in West Virginia. Its net worth ratio is 18.83% and its delinquency rate 0.06%.
How does The State compare to other credit unions?
The State scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (69.97% vs 62.60%).
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?
The State is a state-chartered 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. The State's net worth ratio of 18.83% 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.