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
- ASSETS 67/100
- MEM 7.3%
- RANK 2.82%
- PHOTO 0.19%
- BOOK $11.7M
- CHARTER 1,756
- NCUSIF #3,789/4,374
- CAMELS Tennessee Department of Safety
- HEALTH 8474
Call Report peers
Willow Island in the assets neighbourhood
Willow Island's $11.7M assets sit next to Tennessee Department of Safety ($11.7M) 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.
Willow Island 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
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
Willow Island - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #8474, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 Willow Island's 5300 filing moved
Willow Island: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.1% from $11.7M (2025Q4) to $12.3M (2026Q1).
- Net-worth ratio shifted -0.56 pp (7.89% → 7.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 67.
- 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 |
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).
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
Cross-state asset and health neighbours for Willow Island - kept outside West Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (67/100 here).
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
- 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 Willow Island financially healthy?
A 7.33% net worth ratio and a 2.82% delinquency rate feed into Willow Island's financial health score of 67/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,789 of 4,374; by total assets it ranks #3,468 of 4,374 nationally (same basis as /rankings/largest); and #52 of 74 within West Virginia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Willow Island compare to other credit unions?
67/100 is Willow Island's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Willow Island 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. Willow Island's net worth ratio of 7.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Willow Island offer compared to banks?
Credit unions like Willow Island 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 Willow Island 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.