TellerScore

Charleston Federal Credit Union is a federal credit union headquartered in Charleston, West Virginia, in business for about 67 years. At the end of Q2 2026 it reported $15.5M in total assets and $13.2M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Charleston Federal Credit Union scores 88/100, which we describe as very strong. That is higher than 85% of 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 16th. Its strongest component is capital cushion (98/100; 14.81%), and its lowest is loan quality (75/100; 0.75%).

TellerScore · Q2 2026

Scorecard

Capital cushion98/100
Net worth ratio: 14.81%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.75%
Earnings84/100
Return on assets (annualized): 1.61%
Funding & liquidity89/100
Loans ÷ shares: 71.3% · 0.2% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.08%

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 3 points (85 → 88), mostly because the earnings component weakened by 10 points.

TellerScore
788591Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202488
Q4 202478
Q1 202582
Q2 202585
Q3 202587
Q4 202589
Q1 202691
Q2 202688
Net worth ratio
7.00%10.91%14.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.88%
Q3 202414.35%
Q4 202413.97%
Q1 202513.48%
Q2 202514.06%
Q3 202514.62%
Q4 202514.59%
Q1 202614.55%
Q2 202614.81%
Delinquent loans (60+ days)
0.29%0.72%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.83%
Q3 20240.35%
Q4 20241.14%
Q1 20250.74%
Q2 20250.95%
Q3 20250.87%
Q4 20250.52%
Q1 20260.29%
Q2 20260.75%
Return on assets
1.28%1.57%1.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.42%
Q3 20241.52%
Q4 20241.28%
Q1 20251.47%
Q2 20251.85%
Q3 20251.85%
Q4 20251.74%
Q1 20261.52%
Q2 20261.61%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$15.5M14.81%0.75%1.61%71.3%
Q1 202691$15.3M14.55%0.29%1.52%72.7%
Q4 202589$14.9M14.59%0.52%1.74%77.7%
Q3 202587$14.5M14.62%0.87%1.85%78.3%
Q2 202585$14.6M14.06%0.95%1.85%76.1%
Q1 202582$14.6M13.48%0.74%1.47%75.2%
Q4 202478$13.7M13.97%1.14%1.28%78.8%
Q3 202488$13.2M14.35%0.35%1.52%80.4%
Q2 202482$13.2M13.88%0.83%1.42%76.3%

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 ratio14.81%
53rd
Problem loans0.75%
48th
Net charge-offs0.10%
57th
Return on assets1.61%
88th
Loans to deposits71.3%
31st
Uninsured deposits0.2%
61st
Loan-loss reserves0.00%
37th
Texas ratio3.1%
42nd

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Cape Federal Credit UnionCredit union Clarksburg, WV38 out of 100, Low$15.5M6.0%1.58%vs
Harrison County Federal Credit UnionCredit union Nutter Fort, WV91 out of 100, Very strong$15.6M18.4%0.14%vs
National Employees Federal Credit UnionCredit union Bluefield, WV68 out of 100, Moderate$15.0M13.1%1.02%vs
Romney Federal Credit UnionCredit union Romney, WV49 out of 100, Below average$14.8M9.2%2.05%vs
South Charleston Employees Federal Credit UnionCredit union South Charlesto, WV61 out of 100, Moderate$14.2M59.8%3.54%vs
Putnam School Employees Federal Credit UnionCredit union Eleanor, WV99 out of 100, Very strong$14.1M21.0%0.14%vs

Deposit insurance

Is my money safe at Charleston Federal Credit Union?

Yes. Charleston Federal Credit Union is a federally insured credit union (NCUA charter #12922). 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 0.2% of shares and deposits ($28K) 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 14.81%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Charleston Federal Credit Union
Type
Federal credit union
NCUA charter #
12922
RSSD ID
28282
Primary regulator
NCUA
Established
1959
Headquarters
300 Virginia St E Rm 4203, Charleston, WV 25301
Employees
2

Quick answers

Charleston Federal Credit Union: common questions

Is Charleston Federal Credit Union NCUA insured?

Yes. Charleston Federal Credit Union is a federally insured credit union (NCUA charter #12922). 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 Charleston Federal Credit Union's TellerScore?

88 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 Charleston 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
Camc Federal Credit UnionCredit union Charleston, WV98 out of 100, Very strong$80.3M28.3%0.01%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
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