TellerScore

Appalachian Power Employees Federal Credit Union is a federal credit union headquartered in Huntington, West Virginia, in business for about 90 years. At the end of Q2 2026 it reported $5.6M in total assets and $4.2M in member shares and deposits.

Based on its Q2 2026 filing, Appalachian Power Employees Federal Credit Union scores 64/100, which we describe as moderate. That is higher than only 28% of 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 51st. Its strongest component is capital cushion (100/100; 24.33%), and its lowest is earnings (27/100; 0.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 24.33%
Loan quality34/100
Loans 60+ days delinquent ÷ total loans: 1.99%
Earnings27/100
Return on assets (annualized): 0.19%
Funding & liquidity77/100
Loans ÷ shares: 82.8% · 0.9% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.95%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 9 points (55 → 64), mostly because the loan quality component improved by 34 points.

TellerScore
556779Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202479
Q3 202467
Q4 202465
Q1 202573
Q2 202555
Q3 202555
Q4 202557
Q1 202676
Q2 202664
Net worth ratio
7.00%16.09%25.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202423.58%
Q3 202424.46%
Q4 202424.40%
Q1 202523.87%
Q2 202524.41%
Q3 202524.95%
Q4 202525.19%
Q1 202624.44%
Q2 202624.33%
Delinquent loans (60+ days)
0.32%2.70%5.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.32%
Q3 20241.73%
Q4 20241.99%
Q1 20250.91%
Q2 20254.47%
Q3 20255.08%
Q4 20252.78%
Q1 20260.78%
Q2 20261.99%
Return on assets
0.00%0.22%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.43%
Q3 20240.39%
Q4 20240.36%
Q1 20250.00%
Q2 20250.12%
Q3 20250.15%
Q4 20250.18%
Q1 20260.30%
Q2 20260.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$5.6M24.33%1.99%0.19%82.8%
Q1 202676$5.6M24.44%0.78%0.30%80.9%
Q4 202557$5.4M25.19%2.78%0.18%84.4%
Q3 202555$5.4M24.95%5.08%0.15%79.6%
Q2 202555$5.5M24.41%4.47%0.12%78.1%
Q1 202573$5.7M23.87%0.91%0.00%78.2%
Q4 202465$5.5M24.40%1.99%0.36%86.8%
Q3 202467$5.5M24.46%1.73%0.39%94.4%
Q2 202479$5.7M23.58%0.32%0.43%99.3%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio24.33%
88th
Problem loans1.99%
21st
Net charge-offs0.74%
19th
Return on assets0.19%
27th
Loans to deposits82.8%
16th
Uninsured deposits0.9%
55th
Loan-loss reserves1.00%
83rd
Texas ratio4.9%
29th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Ohio County Public Schools Federal Credit UnionCredit union Wheeling, WV76 out of 100, Strong$5.7M12.1%0.00%vs
C C M H Federal Credit UnionCredit union Parkersburg, WV68 out of 100, Moderate$5.5M11.3%0.07%vs
Huntington West VA Firemens Federal Credit UnionCredit union Huntington, WV53 out of 100, Below average$6.1M12.1%4.44%vs
Charleston Postal Federal Credit UnionCredit union Charleston, WV58 out of 100, Moderate$4.9M8.4%0.27%vs
Twin Oaks Federal Credit UnionCredit union Apple Grove, WV68 out of 100, Moderate$6.6M12.4%0.60%vs
Berkeley County Public Schools Federal Credit UnionCredit union Martinsburg, WV78 out of 100, Strong$8.0M10.1%0.10%vs

Deposit insurance

Is my money safe at Appalachian Power Employees Federal Credit Union?

Yes. Appalachian Power Employees Federal Credit Union is a federally insured credit union (NCUA charter #1463). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.9% of shares and deposits ($36K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 24.33%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Appalachian Power Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
1463
RSSD ID
235370
Primary regulator
NCUA
Established
1936
Headquarters
1122 7th Avenue, Huntington, WV 25701
Employees
2

Quick answers

Appalachian Power Employees Federal Credit Union: common questions

Is Appalachian Power Employees Federal Credit Union NCUA insured?

Yes. Appalachian Power Employees Federal Credit Union is a federally insured credit union (NCUA charter #1463). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Appalachian Power Employees Federal Credit Union's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.