Federal credit union · Morgantown, West Virginia · NCUA charter #14611
Wvu Employees
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $63.3M
- Total assets
- 6,031
- Members
- 22.6%
- Net-worth ratio
Wvu Employees scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $63.3M; members 6,031; net-worth ratio 22.60%; health rank #562 of 4,374; healthier than 84th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#562 of 4,374 health · 2025Q4Wvu Employees · health 93/100 · $63.3M · 2025Q4
- BOOK 93/100
- CHARTER 22.6%
- NCUSIF 1.01%
- CAMELS 2.50%
- HEALTH $63.3M
- NW 6,031
- DELQ #562/4,374
- ROA South Bend Firefighters
- ASSETS 14611
Call Report peers
Wvu Employees in the assets neighbourhood
Wvu Employees's $63.3M assets sit next to South Bend Firefighters ($63.3M) 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.
Wvu Employees 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
93 Top 16% higher than 84% 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
Wvu Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #14611 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Wvu Employees vs $50M–$100M peers
- Net Worth Ratio leads the peer set - 22.60% here, 13.62% peer average (+8.98 pp).
- Widest shortfall vs peers is Delinquency Rate: +0.05 pp (1.01% vs 0.96%).
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 Wvu Employees
- Health composite ranks #7 of 74 among scored West Virginia credit unions.
- West Virginia assets place: #19 of 74.
- Membership ranks #15 of 74 among West Virginia CUs with a reported count (6,031 members).
In-state ordinals use the live credit_unions table for WV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Wvu Employees
Wvu Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.3% from $63.3M (2025Q4) to $66.7M (2026Q1).
- Net-worth ratio shifted -0.44 pp (23.04% → 22.60%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
22.60% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.9 pts
- Return on Assets 15.0 pts
- Member Growth 12.7 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for Wvu Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.60% | +8.98 pp |
| Delinquency Rate | 1.01% | +0.05 pp |
| Return on Assets | 2.50% | +1.84 pp |
| Member Growth | 3.09% | - |
| Loan-to-Share Ratio | 71.39% | +8.79 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).
Wvu Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $66.7M | - |
| 2025Q4 | $63.3M | 6,031 |
| 2024Q4 | $60.5M | 5,850 |
| 2023Q4 | $56.5M | 5,621 |
Credit Union Details
- Charter Number
- 14611
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- West Virginia
- City
- Morgantown
- Data Quarter
- 2025Q4
Branch Location
Wvu Employees operates a single office in Morgantown, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| WVU Employees' Federal Credit Union (Main Office) | Morgantown, 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 Wvu Employees
Two NCUA Call Report peer sets for Wvu Employees, 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 ($63.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Wvu Employees ranks #562 of 4,374 nationally on financial health and #7 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 Wvu Employees financially healthy?
Wvu Employees scores 93/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #562 of 4,374; by total assets it ranks #2,216 of 4,374 nationally (same basis as /rankings/largest); and #19 of 74 within West Virginia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 22.60% net worth ratio and a 1.01% delinquency rate.
How does Wvu Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Wvu Employees's 93/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Wvu Employees?
Wvu Employees 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 Wvu Employees directly for the exact boundaries and application steps.
Is my money safe at Wvu Employees?
Federal credit unions like Wvu Employees 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. Wvu Employees's net worth ratio of 22.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Wvu Employees offer compared to banks?
Credit unions like Wvu Employees 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 Wvu Employees 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.