Federal credit union · Parkersburg, West Virginia · NCUA charter #24888
West Virginia Central
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $322.8M
- Total assets
- 23,590
- Members
- 13.3%
- Net-worth ratio
West Virginia Central scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $322.8M; members 23,590; net-worth ratio 13.33%; health rank #361 of 4,374; healthier than 90th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#361 of 4,374 health · 2025Q4West Virginia Central · health 95/100 · $322.8M · 2025Q4
Call Report peers
West Virginia Central 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 Central vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); West Virginia Central sits in 95-99 with 391 others.
95 Top 10% higher than 90% 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 Central: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 79.76% here, 72.20% peer average (+7.56 pp).
West Virginia Central in West Virginia
- In West Virginia, health place is #4 of 74 on the same NCUA-ratio sort used nationally.
- Assets rank #4 of 74 inside West Virginia ($322.8M reported).
- Membership ranks #4 of 74 among West Virginia CUs with a reported count (23,590 members).
- One place up in West Virginia, The State (#3) ties at 95/100; one place down, FAIRMONT (#5) ties at 95/100.
Quarter path for West Virginia Central
West Virginia Central: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.3% from $322.8M (2025Q4) to $336.7M (2026Q1).
- Net-worth ratio shifted -0.10 pp (13.43% → 13.33%).
At 13.33%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 95/100 score is built
West Virginia Central gives up 5 points in total. Member Growth costs the most, 2.8 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.2 pts
- Return on Assets 15.0 pts
- Member Growth 12.2 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.33% | +1.22 pp |
| Delinquency Rate | 0.68% | -0.21 pp |
| Return on Assets | 1.12% | +0.49 pp |
| Member Growth | 2.70% | - |
| Loan-to-Share Ratio | 79.76% | +7.56 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
West Virginia Central filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $336.7M | - |
| 2025Q4 | $322.8M | 23,590 |
| 2024Q4 | $297.2M | 22,969 |
| 2023Q4 | $299.7M | 22,430 |
Credit Union Details
- Charter Number
- 24888
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- West Virginia
- City
- Parkersburg
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, West Virginia Central runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Murdoch Office (Main Office) | Parkersburg, WV |
| Division Office | Parkersburg, WV |
| Vienna Office | Vienna, 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.
Other-state peers near West Virginia Central
Using this data
- West Virginia Central ranks #361 of 4,374 nationally on financial health and #4 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pioneer Appalachia is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pioneer Appalachia
Frequently Asked Questions
Is West Virginia Central financially healthy?
West Virginia Central has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #361 of 4,374 nationally on health and #4 of 74 in West Virginia. Its net worth ratio is 13.33% and its delinquency rate 0.68%.
How does West Virginia Central compare to other credit unions?
West Virginia Central scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (79.76% vs 72.20%).
How can I join West Virginia Central?
West Virginia Central 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 Central directly for the exact boundaries and application steps.
Is my money safe at West Virginia Central?
West Virginia Central 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 Central's net worth ratio of 13.33% 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.