Federal credit union · South Charlesto, West Virginia · NCUA charter #17057
West Virginia
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $138.8M
- Total assets
- 7,249
- Members
- 17.7%
- Net-worth ratio
West Virginia - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #17057 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
West Virginia - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)83
- Earnings (ROA)100
- Member growth46
- Liquidity (loan-to-share)98
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 17.71% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.71% | 30% |
| Delinquency Rate | 0.93% | 25% |
| Return on Assets | 1.08% | 15% |
| Member Growth | -1.13% | 15% |
| Loan-to-Share Ratio | 68.53% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $138.8M | 7,249 |
| 2024Q4 | $124.8M | 7,332 |
| 2023Q4 | $125.7M | 7,438 |
Credit Union Details
- Charter Number
- 17057
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- West Virginia
- City
- South Charlesto
- Data Quarter
- 2025Q4
What This Data Says About West Virginia
West Virginia is a federal credit union headquartered in South Charlesto, West Virginia, serving 7,249 members with $138.8M in total assets and $77.0M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 87/100 (Excellent), anchored by a net worth ratio of 17.71% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #17057 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Deposits deployed into lending sit at a 68.53% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.93% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Return on assets stands at 1.08% on net income of $1.5M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.13%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in West Virginia
Other federally-insured credit unions in West Virginia, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is West Virginia financially healthy?
West Virginia scores 87/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 17.71% net worth ratio and a 0.93% delinquency rate.
How does West Virginia compare to other credit unions?
On PlainCU's health composite, West Virginia lands at 87/100, compared to a peer group average for $100M–$500M 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 West Virginia?
West Virginia 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 West Virginia directly for the exact boundaries and application steps.
Is my money safe at West Virginia?
Federal credit unions like West Virginia 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. West Virginia's net worth ratio of 17.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does West Virginia offer compared to banks?
Credit unions like West Virginia 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 West Virginia directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.