State overview · Q4 2025

West Virginia Credit Unions

All 74 federally-insured credit unions in West Virginia, ranked by financial health, from NCUA 5300 Call Reports.

74
Credit unions
376K
Members
$5.2B
Combined assets
80/100
Avg health
74 CUs · avg health 80/100

West Virginia has 74 federally insured credit unions averaging 80/100 health on NCUA 5300 Call Report aggregates. Combined assets $5.2B; 47 score Excellent (80+). State leader: CHARLESTON at 98/100.

  • Mean delinquency rank #37 of 52 (lower DQ better)
  • Mean ROA rank #12 of 52
  • Data vintage 2026-09-06

West Virginia vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

74 20th of 54 higher than 33 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How West Virginia's 74 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)47 CUsGood (60–79)23 CUsFair (40–59)3 CUsWeak (<40)1 CUs

West Virginia Call Report quality, high mean ROA cohort

Mean NCUA 5300 ratios across 74 federally insured credit unions in West Virginia, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
1.43%
National rank #37 of 52 · lower DQ better
Mean ROA
0.73%
National rank #12 of 52
Mean loan-to-share
59.6%
Mean net worth 15.6% · well-capitalized (≥7%) 100.0%
Largest CU share of state assets
15.2%
Dispersed book, largest charter holds under 25% of combined West Virginia CU assets · concentration rank #11 of 52 (lower share = more dispersed) · largest by assets on this board: Bayer Heritage

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). West Virginia is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

West Virginia vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, West Virginia highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18%20% 0.5%1%1.5%2%2.5%3% Net worth ratio Delinquency rate West Virginia vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IN - 14.73%, 1.306%IA - 15.09%, 1.429%KY - 14.12%, 1.121%ME - 11.58%, 0.818%MA - 14.25%, 0.901%MI - 12.62%, 0.909%MS - 17.86%, 2.688%MT - 12.19%, 0.9%NV - 12.18%, 0.832%NH - 11.15%, 0.746%NM - 14.09%, 1.009%NC - 14.51%, 2.08%OH - 13.65%, 1.573%OK - 13.44%, 1.238%PA - 15.31%, 1.273%SC - 14.68%, 1.029%TN - 15.99%, 1.081%TX - 15.62%, 1.279%UT - 16.09%, 0.974%VA - 14.12%, 1.395%WI - 13.48%, 1.468%WV - 15.58%, 1.434%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, West Virginia highlighted.

All Credit Unions in West Virginia

Credit Union Health
CHARLESTON CHARLESTON 98
Eagle Can Employees Wellsburg 95
FAIRMONT FAIRMONT 95
The State CHARLESTON 95
West Virginia Central Parkersburg 95
CAMC Charleston 94
Long Reach Middlebourne 93
Wvu Employees Morgantown 93
HOPE Bridgeport 92
One Community Parkersburg 91
ROMNEY ROMNEY 91
National Employees BLUEFIELD 90
CHA-TEL Charleston 89
HOME Clarksburg 89
Natrium Employees Proctor 89
Strip Steel Community WEIRTON 89
First Priority Huntington 88
Local No. 317 I.a.F.F. Charleston 88
Raleigh Co. Educators BECKLEY 88
Twin Oaks Apple Grove 88
ALLOY Alloy 87
Eastern Panhandle Martinsburg 87
Kemba Charleston Dunbar 87
PRESTON KINGWOOD 87
Putnam School Employees ELEANOR 87
West Virginia South Charlesto 87
C C M H Parkersburg 86
Huntington West Va Firemens Huntington 85
Raleigh County BECKLEY 85
Teamsters Local 697 Wheeling 85
Berkeley County Public Schools Martinsburg 84
Marshall County Moundsville 84
Bayer Heritage New Martinsvill 83
City of Clarksburg CLARKSBURG 83
Marion County School Employees Fairmont 83
Martinsburg V.a. Center KEARNEYSVILLE 83
Wv National Guard CHARLESTON 83
FAYETTE MOUNT HOPE 82
Mcdowell County Welch 82
Members Choice Wv Charleston 82
HUNTINGTONIZED Huntington 81
Mercer County W Va Teachers Bluefield 81
Ohio County Public Schools WHEELING 81
First Choice America Community Weirton 80
Harrison County Nutter Fort 80
UNIVERSAL Huntington 80
W. Virginia State Convention Hilltop 80
167th Tfr Martinsburg 78
ELEMENT Charleston 78
PACE Huntington 77
PEOPLES Nitro 75
Pioneer Appalachia Charleston 75
Hancock School Emp. Weirton 72
Ibew 317 HUNTINGTON 72
Morgantown a E S Morgantown 72
WEE Parkersburg 71
Appalachian Power Employees HUNTINGTON 70
CHHE Huntington 70
The United Morgantown 70
Union Trades Parkersburg 70
United Hospital Center Bridgeport 70
Metro Community Huntington 69
Logan County School Employees Logan 68
Mountain Heritage PARKERSBURG 68
Charleston Postal CHARLESTON 67
South Charleston Employees South Charlesto 67
Willow Island Saint Marys 67
RAVENSWOOD RAVENSWOOD 66
Star USA Charleston 66
Alderson Fci Alderson 62
Huntington C & O Railway Employees Huntington 56
City of Fairmont Fairmont 54
CAPE Clarksburg 47
U S Employees Fairmont 36

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

What This Data Says About Credit Unions in West Virginia

West Virginia is home to 74 federally-insured credit unions collectively serving 376K members with $5.2B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 80/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. CHARLESTON of CHARLESTON currently leads the cohort with a health score of 98/100, while the full distribution spans 74 institutions ranked below.

The health distribution breaks into four bands: 47 credit unions score 80–100 (Excellent), 23 score 60–79 (Good), 3 score 40–59 (Fair), and 1 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across West Virginia's 74 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for West Virginia: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($5.2B here).

Arkansas $5.2B North Dakota $5.9B South Dakota $6.0B Nebraska $6.9B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (74 here).

Georgia 74 CUs Washington 75 CUs Colorado 66 CUs Iowa 66 CUs

Frequently Asked Questions

How many credit unions are in West Virginia?

There are 74 federally-insured credit unions in West Virginia as of Q4 2025, with a combined 376K members and $5.2B in total assets. That places West Virginia at #50 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, West Virginia ranks #38 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in West Virginia?

Based on NCUA Q4 2025 data, CHARLESTON in CHARLESTON ranks highest in West Virginia with a health score of 98/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using West Virginia's data

  • CHARLESTON in CHARLESTON is the healthiest scored credit union in West Virginia at 98/100 -- look up its full composite before assuming it fits your situation. View full profile
  • West Virginia's credit unions rank #37 of 52 nationally on delinquency rate (among the highest) and #12 of 52 on return on assets (among the strongest) -- both factor into the health score above, but they can move independently. National health rankings
  • West Virginia ranks #38 of 54 by average health score and #50 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.