Federal credit union · Parkersburg, West Virginia · NCUA charter #14257
WEE
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $26.5M
- Total assets
- 1,777
- Members
- 13.5%
- Net-worth ratio
WEE scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $26.5M; members 1,777; net-worth ratio 13.49%; health rank #3,525 of 4,374; healthier than 18th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,525 of 4,374 health · 2025Q4WEE · health 71/100 · $26.5M · 2025Q4
- MEM 71/100
- RANK 13.5%
- PHOTO 2.15%
- BOOK 0.92%
- CHARTER $26.5M
- NCUSIF 1,777
- CAMELS #3,525/4,374
- HEALTH Olean Teachers' and Postal
- NW 14257
Call Report peers
WEE in the assets neighbourhood
WEE's $26.5M assets sit next to Olean Teachers' and Postal ($26.5M) 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.
WEE 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
71 18th percentile higher than 18% 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
WEE - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #14257: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where WEE diverges from peer averages
- Largest favorable gap: Return on Assets at 0.92% vs peer 0.70% (+0.21 pp).
- Largest lag: Loan-to-Share Ratio at 39.63% vs peer 59.80% (-20.17 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
WEE: in-state Call Report ranks
- West Virginia health ordinal: #56 of 74.
- By total assets, WEE is #37 of 74 in West Virginia.
- Member book place in West Virginia: #43 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.
How WEE's 5300 filing moved
WEE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.3% from $26.5M (2025Q4) to $27.9M (2026Q1).
- Net-worth ratio shifted -0.50 pp (13.99% → 13.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.49%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 71/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.6 pts
- Return on Assets 15.0 pts
- Member Growth 4.9 pts
- Loan-to-Share Ratio 9.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.49% | -1.37 pp |
| Delinquency Rate | 2.15% | +1.00 pp |
| Return on Assets | 0.92% | +0.21 pp |
| Member Growth | -2.26% | - |
| Loan-to-Share Ratio | 39.63% | -20.17 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).
WEE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $27.9M | - |
| 2025Q4 | $26.5M | 1,777 |
| 2024Q4 | $25.4M | 1,818 |
| 2023Q4 | $23.7M | 1,841 |
Credit Union Details
- Charter Number
- 14257
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- Parkersburg
- Data Quarter
- 2025Q4
Branch Location
WEE operates a single office in Parkersburg, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| WEE Federal Credit Union (Main Office) | Parkersburg, 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 WEE
Cross-state asset and health neighbours for WEE - kept outside West Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($26.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
Using this data
- WEE ranks #3,525 of 4,374 nationally on financial health and #56 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Marshall County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Marshall County
- 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 WEE financially healthy?
A 13.49% net worth ratio and a 2.15% delinquency rate feed into WEE's financial health score of 71/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,525 of 4,374; by total assets it ranks #2,951 of 4,374 nationally (same basis as /rankings/largest); and #37 of 74 within West Virginia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does WEE compare to other credit unions?
On PlainCU's health composite, WEE lands at 71/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 WEE?
WEE 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 WEE directly for the exact boundaries and application steps.
Is my money safe at WEE?
Federal credit unions like WEE 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. WEE's net worth ratio of 13.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does WEE offer compared to banks?
Credit unions like WEE 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 WEE 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.