Federal credit union · Saint Marys, West Virginia · NCUA charter #8474
Willow Island
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $11.7M
- Total assets
- 1,756
- Members
- 7.3%
- Net-worth ratio
Willow Island scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.7M; members 1,756; net-worth ratio 7.33%; health rank #3,789 of 4,374; healthier than 13th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,789 of 4,374 health · 2025Q4Willow Island · health 67/100 · $11.7M · 2025Q4
Call Report peers
Willow Island in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Willow Island vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Willow Island sits in 65-69 with 275 others.
67 13th percentile higher than 13% 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
Peer-gap read for Willow Island
- Loan-to-Share Ratio leads the peer set - 85.25% here, 59.80% peer average (+25.45 pp).
- Widest shortfall vs peers is Net Worth Ratio: -7.53 pp (7.33% vs 14.86%).
Willow Island in West Virginia
- West Virginia health ordinal: #67 of 74.
- West Virginia assets place: #52 of 74.
- Member book place in West Virginia: #44 of 74.
- One place up in West Virginia, Charleston Postal (#66) ties at 67/100; one place down, Star USA (#68) scores 66/100, 1 point lower.
How Willow Island's 5300 filing moved
Willow Island: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.1% from $11.7M (2025Q4) to $12.3M (2026Q1).
- Net-worth ratio shifted -0.56 pp (7.89% → 7.33%).
At 7.33%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 67/100 score is built
Willow Island gives up 33 points in total. Delinquency Rate costs the most, 17.6 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 23.3 pts
- Delinquency Rate 7.4 pts
- Return on Assets 10.3 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 14.7 pts
Call Report ratios for Willow Island
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.33% | -7.53 pp |
| Delinquency Rate | 2.82% | +1.68 pp |
| Return on Assets | 0.19% | -0.52 pp |
| Member Growth | 1.92% | - |
| Loan-to-Share Ratio | 85.25% | +25.45 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.3M | - |
| 2025Q4 | $11.7M | 1,756 |
| 2024Q4 | $12.0M | 1,723 |
| 2023Q4 | $11.2M | 1,679 |
Credit Union Details
- Charter Number
- 8474
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- Saint Marys
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Willow Island runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Willow Island Federal Credit Union (Main Office) | Saint Marys, WV |
| WILLOW ISLAND FEDERAL CREDIT UNION | SAINT MARYS, WV |
| SHARED BRANCHING | SAINT MARYS, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
More federally-insured credit unions based in West Virginia, ordered by peer group match and asset size.
Other-state peers near Willow Island
Similar total assets
Similar health score
Using this data
- Willow Island ranks #3,789 of 4,374 nationally on financial health and #67 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Natrium Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Natrium Employees
Frequently Asked Questions
Is Willow Island financially healthy?
On its 2025Q4 NCUA 5300 filing, Willow Island scores 67/100 (Good), with a 7.33% net worth ratio and 2.82% of loans delinquent. It ranks #3,789 of 4,374 nationally on health and #67 of 74 in West Virginia.
How does Willow Island compare to other credit unions?
Willow Island scores 67/100, higher than 13% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (85.25% vs 59.80%). Its widest shortfall is net worth ratio (7.33% vs 14.86%).
How can I join Willow Island?
Willow Island 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 Willow Island directly for the exact boundaries and application steps.
Is my money safe at Willow Island?
Willow Island 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. Willow Island's net worth ratio of 7.33% 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.