Federal credit union · Fairmont, West Virginia · NCUA charter #6672
U S Employees
Health score 36/100, grade F (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 36
- Health / 100
- $533K
- Total assets
- 115
- Members
- 8.8%
- Net-worth ratio
U S Employees scores 36/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $533K; members 115; net-worth ratio 8.80%; health rank #4,354 of 4,374; healthier than 0th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,354 of 4,374 health · 2025Q4U S Employees · health 36/100 · $533K · 2025Q4
- BOOK 36/100
- CHARTER 8.8%
- NCUSIF 4.26%
- CAMELS -3.34%
- HEALTH $533K
- NW 115
- DELQ #4,354/4,374
- ROA n/a
- ASSETS 6672
Call Report peers
U S Employees carries $533K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
U S Employees 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
36 0th percentile in the bottom 1% 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
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: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 4.26% here, 4.48% peer average (-0.22 pp).
- Largest lag: Loan-to-Share Ratio at 32.43% vs peer 52.70% (-20.27 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where U S Employees sits in West Virginia
- West Virginia health ordinal: #74 of 74.
- By total assets, U S Employees is #71 of 74 in West Virginia.
- West Virginia membership ordinal: #73 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.
Quarter path for U S Employees
U S Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -4.1% from $533K (2025Q4) to $511K (2026Q1).
- Net-worth ratio shifted -0.13 pp (8.93% → 8.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.80% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 36/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 36.
- Net Worth Ratio 27.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.1 pts
- Loan-to-Share Ratio 8.9 pts
U S Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.80% | -14.13 pp |
| Delinquency Rate | 4.26% | -0.22 pp |
| Return on Assets | -3.34% | -3.56 pp |
| Member Growth | -4.96% | - |
| Loan-to-Share Ratio | 32.43% | -20.27 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $511K | - |
| 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
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for U S Employees.
| Office | City |
|---|---|
| U S POST OFFICE (Main Office) | Fairmont, WV |
| U S Post Office | Fairmont, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Cross-state Call Report peers for U S Employees
Two NCUA Call Report peer sets for U S Employees, both outside West Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (36/100 here).
Using this data
- U S Employees ranks #4,354 of 4,374 nationally on financial health and #74 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Eagle Can Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Eagle Can Employees
- 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 U S Employees financially healthy?
U S Employees scores 36/100 (Weak) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,354 of 4,374; by total assets it ranks #4,288 of 4,374 nationally (same basis as /rankings/largest); and #71 of 74 within West Virginia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.80% 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 8.80% 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.
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.