Federal credit union · South Charlesto, West Virginia · NCUA charter #17057
West Virginia
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $138.8M
- Total assets
- 7,249
- Members
- 17.8%
- Net-worth ratio
West Virginia scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $138.8M; members 7,249; net-worth ratio 17.83%; health rank #1,577 of 4,374; healthier than 60th of scored peers.
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#1,577 of 4,374 health · 2025Q4West Virginia · health 87/100 · $138.8M · 2025Q4
Call Report peers
West Virginia in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
West Virginia vs every NCUA-scored credit union
West Virginia sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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
West Virginia vs $100M–$500M peers
- Largest favorable gap: Net Worth Ratio at 17.83% vs peer 12.11% (+5.72 pp).
- Loan-to-Share Ratio trails the peer set - 68.53% here, 72.20% peer average (-3.67 pp).
West Virginia in West Virginia
- West Virginia health ordinal: #23 of 74.
- Assets rank #8 of 74 inside West Virginia ($138.8M reported).
- West Virginia membership ordinal: #14 of 74.
- One place up in West Virginia, Kemba Charleston (#22) ties at 87/100; one place down, ALLOY (#24) ties at 87/100.
West Virginia: 2025Q4 → 2026Q1
West Virginia: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $138.8M (2025Q4) to $143.0M (2026Q1).
- Net-worth ratio shifted -0.54 pp (18.37% → 17.83%).
This credit union's 17.83% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
West Virginia gives up 13 points in total. Member Growth costs the most, 8 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.7 pts
- Return on Assets 15.0 pts
- Member Growth 7.0 pts
- Loan-to-Share Ratio 14.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.83% | +5.72 pp |
| Delinquency Rate | 0.93% | +0.04 pp |
| Return on Assets | 1.08% | +0.46 pp |
| Member Growth | -1.13% | - |
| Loan-to-Share Ratio | 68.53% | -3.67 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $143.0M | - |
| 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
Branch Locations (2)
Per its most recent NCUA branch filing, West Virginia runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| WVFCU (Main Office) | South Charleston, WV |
| WVFCU | Saint Albans, 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.
Cross-state Call Report peers for West Virginia
Similar total assets
Using this data
- West Virginia ranks #1,577 of 4,374 nationally on financial health and #23 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PEOPLES is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PEOPLES
Frequently Asked Questions
Is West Virginia financially healthy?
On its 2025Q4 NCUA 5300 filing, West Virginia scores 87/100 (Excellent), with a 17.83% net worth ratio and 0.93% of loans delinquent. It ranks #1,577 of 4,374 nationally on health and #23 of 74 in West Virginia.
How does West Virginia compare to other credit unions?
West Virginia scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (17.83% vs 12.11%). Its widest shortfall is loan-to-share ratio (68.53% vs 72.20%).
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?
West Virginia 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. West Virginia's net worth ratio of 17.83% 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.