Federal credit union · CHARLESTON, West Virginia · NCUA charter #12938
Wv National Guard
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $51.2M
- Total assets
- 1,814
- Members
- 14.4%
- Net-worth ratio
Wv National Guard scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $51.2M; members 1,814; net-worth ratio 14.36%; health rank #2,244 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,244 of 4,374 health · 2025Q4Wv National Guard · health 83/100 · $51.2M · 2025Q4
- NW 83/100
- DELQ 14.4%
- ROA 0.13%
- ASSETS 0.73%
- MEM $51.2M
- RANK 1,814
- PHOTO #2,244/4,374
- BOOK AEROQUIP
- CHARTER 12938
Call Report peers
Wv National Guard in the assets neighbourhood
Wv National Guard's $51.2M assets sit next to AEROQUIP ($51.2M) 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.
Wv National Guard 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
83 46th percentile higher than 46% 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
Wv National Guard - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #12938 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Wv National Guard vs $50M–$100M peers
- Delinquency Rate leads the peer set - 0.13% here, 0.96% peer average (-0.84 pp).
- Largest lag: Loan-to-Share Ratio at 60.46% vs peer 62.60% (-2.14 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
West Virginia standing for Wv National Guard
- Health composite ranks #34 of 74 among scored West Virginia credit unions.
- By total assets, Wv National Guard is #21 of 74 in West Virginia.
- Member book place in West Virginia: #42 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 Wv National Guard's 5300 filing moved
Wv National Guard: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $51.2M (2025Q4) to $51.9M (2026Q1).
- Net-worth ratio shifted +0.11 pp (14.25% → 14.36%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.36%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.0 pts
Wv National Guard vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.36% | +0.74 pp |
| Delinquency Rate | 0.13% | -0.84 pp |
| Return on Assets | 0.73% | +0.07 pp |
| Member Growth | -5.18% | - |
| Loan-to-Share Ratio | 60.46% | -2.14 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Wv National Guard filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $51.9M | - |
| 2025Q4 | $51.2M | 1,814 |
| 2024Q4 | $51.0M | 1,913 |
| 2023Q4 | $51.7M | 1,948 |
Credit Union Details
- Charter Number
- 12938
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- West Virginia
- City
- CHARLESTON
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Wv National Guard runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Charleston, 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 Wv National Guard
Two NCUA Call Report peer sets for Wv National Guard, both outside West Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($51.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Wv National Guard ranks #2,244 of 4,374 nationally on financial health and #34 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Strip Steel Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Strip Steel Community
- 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 Wv National Guard financially healthy?
Wv National Guard has a financial health score of 83/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,244 of 4,374; by total assets it ranks #2,384 of 4,374 nationally (same basis as /rankings/largest); and #21 of 74 within West Virginia. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.36% and delinquency rate of 0.13%.
How does Wv National Guard compare to other credit unions?
PlainCU's health composite puts Wv National Guard at 83/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Wv National Guard?
Wv National Guard 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 Wv National Guard directly for the exact boundaries and application steps.
Is my money safe at Wv National Guard?
Federal credit unions like Wv National Guard 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. Wv National Guard's net worth ratio of 14.36% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Wv National Guard offer compared to banks?
Credit unions like Wv National Guard 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 Wv National Guard 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.