TellerScore

Headquartered in Charleston, West Virginia, Camc Federal Credit Union is a federal credit union with $80.3M in total assets and $57.2M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1977.

Based on its Q2 2026 filing, Camc Federal Credit Union scores 98/100, which we describe as very strong. That is higher than 98% of 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 3rd. Its five components are fairly even, ranging from 93 to 100 out of 100.

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 28.25%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.01%
Earnings93/100
Return on assets (annualized): 1.82%
Funding & liquidity98/100
Loans ÷ shares: 62.4% · 1.7% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.02%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (99 → 98).

TellerScore
929699Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202496
Q3 202496
Q4 202492
Q1 202599
Q2 202599
Q3 202599
Q4 202598
Q1 202697
Q2 202698
Net worth ratio
7.00%17.64%28.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202425.20%
Q3 202426.58%
Q4 202426.80%
Q1 202526.82%
Q2 202526.81%
Q3 202528.27%
Q4 202527.95%
Q1 202628.15%
Q2 202628.25%
Delinquent loans (60+ days)
0.00%0.23%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.08%
Q3 20240.09%
Q4 20240.45%
Q1 20250.00%
Q2 20250.04%
Q3 20250.01%
Q4 20250.09%
Q1 20260.09%
Q2 20260.01%
Return on assets
1.59%1.81%2.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.59%
Q3 20241.62%
Q4 20241.63%
Q1 20251.98%
Q2 20252.00%
Q3 20252.03%
Q4 20251.88%
Q1 20261.78%
Q2 20261.82%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202698$80.3M28.25%0.01%1.82%62.4%
Q1 202697$79.2M28.15%0.09%1.78%61.7%
Q4 202598$78.5M27.95%0.09%1.88%63.2%
Q3 202599$76.6M28.27%0.01%2.03%65.2%
Q2 202599$79.4M26.81%0.04%2.00%62.3%
Q1 202599$77.8M26.82%0.00%1.98%64.0%
Q4 202492$76.4M26.80%0.45%1.63%65.8%
Q3 202496$75.9M26.58%0.09%1.62%65.2%
Q2 202496$78.9M25.20%0.08%1.59%61.0%

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 ratio28.25%
93rd
Problem loans0.01%
86th
Net charge-offs0.29%
40th
Return on assets1.82%
92nd
Loans to deposits62.4%
45th
Uninsured deposits1.7%
47th
Loan-loss reserves0.00%
37th
Texas ratio0.0%
86th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
First Priority Federal Credit UnionCredit union Huntington, WV82 out of 100, Strong$74.8M12.5%1.14%vs
167th Tfr Federal Credit UnionCredit union Martinsburg, WV78 out of 100, Strong$72.5M10.7%0.44%vs
Wvu Employees Federal Credit UnionCredit union Morgantown, WV97 out of 100, Very strong$67.8M22.8%0.23%vs
Members Choice Wv Federal Credit UnionCredit union Charleston, WV81 out of 100, Strong$93.6M21.6%1.03%vs
The State Credit UnionCredit union Charleston, WV90 out of 100, Very strong$95.3M19.1%0.25%vs
Universal Federal Credit UnionCredit union Huntington, WV78 out of 100, Strong$99.5M13.0%0.46%vs

Deposit insurance

Is my money safe at Camc Federal Credit Union?

Yes. Camc Federal Credit Union is a federally insured credit union (NCUA charter #22657). 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 1.7% of shares and deposits ($977K) 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 28.25%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Camc Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Camc Federal Credit Union reported 65 home-loan applications under HMDA (LEI 54930086UI4O90IKYD43): 45 originated ($3,295,000 total), 17 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 27.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Camc Federal Credit Union
Type
Federal credit union
NCUA charter #
22657
RSSD ID
437688
Primary regulator
NCUA
Established
1977
Headquarters
3400 MacCorkle Avenue SE, Charleston, WV 25304
Employees
15

Quick answers

Camc Federal Credit Union: common questions

Is Camc Federal Credit Union NCUA insured?

Yes. Camc Federal Credit Union is a federally insured credit union (NCUA charter #22657). 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 Camc Federal Credit Union's TellerScore?

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

How many branches does Camc Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Charleston

InstitutionScoreAssetsCapitalProblem loansCompare
Putnam School Employees Federal Credit UnionCredit union Eleanor, WV99 out of 100, Very strong$14.1M21.0%0.14%vs
Wv National Guard Federal Credit UnionCredit union Charleston, WV98 out of 100, Very strong$51.6M14.8%0.00%vs
The State Credit UnionCredit union Charleston, WV90 out of 100, Very strong$95.3M19.1%0.25%vs
Charleston Federal Credit UnionCredit union Charleston, WV88 out of 100, Very strong$15.5M14.8%0.75%vs
West Virginia Federal Credit UnionCredit union South Charlesto, WV88 out of 100, Very strong$141.6M18.5%0.74%vs
Cha-Tel Federal Credit UnionCredit union Charleston, WV86 out of 100, Very strong$11.5M13.6%0.04%vs