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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); U S Employees sits in 35-39 with 14 others.
36 0th percentile in the bottom 1% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- No scored West Virginia credit union ranks lower; the next one up, CAPE (#73) scores 47/100, 11 points higher.
Quarter path for U S Employees
U S Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -4.1% from $533K (2025Q4) to $511K (2026Q1).
- Net-worth ratio shifted -0.13 pp (8.93% → 8.80%).
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
U S Employees gives up 64 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio loses the least, 3.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is U S Employees financially healthy?
U S Employees has a financial health score of 36/100 (Weak) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,354 of 4,374 nationally on health and #74 of 74 in West Virginia. Its net worth ratio is 8.80% and its delinquency rate 4.26%.
How does U S Employees compare to other credit unions?
U S Employees scores 36/100, higher than 0% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (4.26% vs 4.48%). Its widest shortfall is loan-to-share ratio (32.43% vs 52.70%).
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?
U S 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. U S Employees's net worth ratio of 8.80% 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.