State credit union · Hilltop, West Virginia · NCUA charter #68112
W. Virginia State Convention
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $407K
- Total assets
- 194
- Members
- 8.9%
- Net-worth ratio
W. Virginia State Convention scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $407K; members 194; net-worth ratio 8.92%; health rank #2,790 of 4,374; healthier than 36th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,790 of 4,374 health · 2025Q4W. Virginia State Convention · health 80/100 · $407K · 2025Q4
- CHARTER 80/100
- NCUSIF 8.9%
- CAMELS 0.00%
- HEALTH 1.27%
- NW $407K
- DELQ 194
- ROA #2,790/4,374
- ASSETS n/a
- MEM 68112
Call Report peers
W. Virginia State Convention carries $407K 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.
W. Virginia State Convention 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
80 36th percentile higher than 36% 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
W. Virginia State Convention - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68112. See our deposit-insurance coverage note.
W. Virginia State Convention vs Under $2M peers
- Delinquency Rate leads the peer set - 0.00% here, 4.48% peer average (-4.48 pp).
- Loan-to-Share Ratio trails the peer set - 16.97% here, 52.70% peer average (-35.73 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where W. Virginia State Convention sits in West Virginia
- West Virginia health ordinal: #47 of 74.
- Assets rank #73 of 74 inside West Virginia ($407K reported).
- Membership ranks #71 of 74 among West Virginia CUs with a reported count (194 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.
W. Virginia State Convention: 2025Q4 → 2026Q1
W. Virginia State Convention: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -7.2% from $407K (2025Q4) to $378K (2026Q1).
- Net-worth ratio shifted +1.19 pp (7.73% → 8.92%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.92% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 27.3 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.4 pts
- Loan-to-Share Ratio 7.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.92% | -14.01 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 1.27% | +1.05 pp |
| Member Growth | -2.02% | - |
| Loan-to-Share Ratio | 16.97% | -35.73 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).
W. Virginia State Convention filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $378K | - |
| 2025Q4 | $407K | 194 |
| 2024Q4 | $425K | 198 |
| 2023Q4 | $370K | 187 |
Credit Union Details
- Charter Number
- 68112
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- West Virginia
- City
- Hilltop
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for W. Virginia State Convention.
| Office | City |
|---|---|
| Main office location (Main Office) | Hilltop, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
Other federally-insured credit unions in West Virginia, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
W. Virginia State Convention's nationwide photo peers by assets and by health score, excluding West Virginia charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- W. Virginia State Convention ranks #2,790 of 4,374 nationally on financial health and #47 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 W. Virginia State Convention financially healthy?
A 8.92% net worth ratio and a 0.00% delinquency rate feed into W. Virginia State Convention's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,790 of 4,374; by total assets it ranks #4,309 of 4,374 nationally (same basis as /rankings/largest); and #73 of 74 within West Virginia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does W. Virginia State Convention compare to other credit unions?
W. Virginia State Convention scores 80/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 W. Virginia State Convention?
Membership eligibility for W. Virginia State Convention depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact W. Virginia State Convention directly for current membership requirements and application steps.
Is my money safe at W. Virginia State Convention?
Federal credit unions like W. Virginia State Convention 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. W. Virginia State Convention's net worth ratio of 8.92% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does W. Virginia State Convention offer compared to banks?
Credit unions like W. Virginia State Convention 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 W. Virginia State Convention 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.