Federal credit union · Fairmont, West Virginia · NCUA charter #6672
U S Employees
Health score 36/100 (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 36
- Health / 100
- $533K
- Total assets
- 115
- Members
- 8.9%
- Net-worth ratio
U S Employees - Share Insurance Coverage
Charter #6672'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.
U S Employees - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)91
- Asset quality (delinquency)0
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)59
Weighted composite: 36/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.93% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.93% | 30% |
| Delinquency Rate | 4.26% | 25% |
| Return on Assets | -3.34% | 15% |
| Member Growth | -4.96% | 15% |
| Loan-to-Share Ratio | 32.43% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $533K | 115 |
| 2024Q4 | $586K | 121 |
| 2023Q4 | $737K | 124 |
Credit Union Details
- Charter Number
- 6672
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- Under $2M
- State
- West Virginia
- City
- Fairmont
- Data Quarter
- 2025Q4
What This Data Says About U S Employees
Charter #6672, peer group Under $2M, a cohort of 243 similarly-sized institutions: that's U S Employees, a federal credit union in Fairmont, West Virginia with 115 members, $533K in total assets, and $157K in outstanding loans as of Q4 2025. The five-factor composite scores it 36/100 (Weak), helped by a net worth ratio of 8.93% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 4.26% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Meanwhile a 32.43% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at -3.34% on net income of $-17820 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 -4.96%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Low Income); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in West Virginia
A look at other West Virginia credit unions, ranked by how closely their peer group and asset size match this one.
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 U S Employees financially healthy?
U S Employees scores 36/100 (Weak) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.93% net worth ratio and a 4.26% delinquency rate.
How does U S Employees compare to other credit unions?
PlainCU's health composite puts U S Employees at 36/100, compared to a peer group average for Under $2M 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 U S Employees?
U S Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact U S Employees directly to confirm current membership steps.
Is my money safe at U S Employees?
Federal credit unions like U S 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. U S Employees's net worth ratio of 8.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does U S Employees offer compared to banks?
Credit unions like U S 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 U S 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.