Federal credit union · Bridgeport, West Virginia · NCUA charter #12673
United Hospital Center
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $12.6M
- Total assets
- 1,493
- Members
- 23.2%
- Net-worth ratio
United Hospital Center scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.6M; members 1,493; net-worth ratio 23.24%; health rank #3,577 of 4,374; healthier than 17th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,577 of 4,374 health · 2025Q4United Hospital Center · health 70/100 · $12.6M · 2025Q4
- BOOK 70/100
- CHARTER 23.2%
- NCUSIF 2.43%
- CAMELS 1.83%
- HEALTH $12.6M
- NW 1,493
- DELQ #3,577/4,374
- ROA Valdosta Teachers
- ASSETS 12673
Call Report peers
United Hospital Center in the assets neighbourhood
United Hospital Center's $12.6M assets sit next to Valdosta Teachers ($12.6M) 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.
United Hospital Center 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
70 17th percentile higher than 17% 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
United Hospital Center - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #12673. See our deposit-insurance coverage note.
Where United Hospital Center diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +16.23 pp (76.03% vs 59.80%).
- Delinquency Rate trails the peer set - 2.43% here, 1.15% peer average (+1.28 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
United Hospital Center: in-state Call Report ranks
- Health composite ranks #59 of 74 among scored West Virginia credit unions.
- Assets rank #51 of 74 inside West Virginia ($12.6M reported).
- Membership ranks #47 of 74 among West Virginia CUs with a reported count (1,493 members).
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 United Hospital Center
United Hospital Center: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.2% from $12.6M (2025Q4) to $12.5M (2026Q1).
- Net-worth ratio shifted +0.27 pp (22.97% → 23.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 23.24% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 70/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.8 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.2 pts
United Hospital Center vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.24% | +8.38 pp |
| Delinquency Rate | 2.43% | +1.28 pp |
| Return on Assets | 1.83% | +1.13 pp |
| Member Growth | -8.46% | - |
| Loan-to-Share Ratio | 76.03% | +16.23 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
United Hospital Center filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.5M | - |
| 2025Q4 | $12.6M | 1,493 |
| 2024Q4 | $12.4M | 1,631 |
| 2023Q4 | $13.5M | 1,649 |
Credit Union Details
- Charter Number
- 12673
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- Bridgeport
- Data Quarter
- 2025Q4
Branch Locations (2)
United Hospital Center operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| UNITED HOSPITAL CENTER FEDERAL CREDIT UNION (Main Office) | Bridgeport, WV |
| FED COMP OFF SIT STORAGE CENTER | FAIRFAX, VA |
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.
United Hospital Center nationwide neighbourhoods
Cross-state asset and health neighbours for United Hospital Center - kept outside West Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
Using this data
- United Hospital Center ranks #3,577 of 4,374 nationally on financial health and #59 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Willow Island is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Willow Island
- 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 United Hospital Center financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, United Hospital Center carries a financial health score of 70/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,577 of 4,374; by total assets it ranks #3,426 of 4,374 nationally (same basis as /rankings/largest); and #51 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 23.24% net worth ratio and a 2.43% delinquency rate.
How does United Hospital Center compare to other credit unions?
PlainCU's health composite puts United Hospital Center at 70/100, compared to a peer group average for $10M–$50M 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 United Hospital Center?
United Hospital Center operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact United Hospital Center directly for the exact boundaries and application steps.
Is my money safe at United Hospital Center?
Federal credit unions like United Hospital Center 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. United Hospital Center's net worth ratio of 23.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does United Hospital Center offer compared to banks?
Credit unions like United Hospital Center 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 United Hospital Center 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.