Charleston Postal Federal Credit Union is a federal credit union headquartered in Charleston, West Virginia, in business for about 101 years. At the end of Q2 2026 it reported $4.9M in total assets and $4.5M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, Charleston Postal Federal Credit Union scores 58/100, which we describe as moderate. That is higher than only 19% of 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 59th. Its strongest component is funding & liquidity (100/100; 57% loans-to-deposits, 0% uninsured), and its lowest is earnings (0/100; -1.13%).
TellerScore · Q2 2026
Scorecard
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 21 points (37 → 58), mostly because the loan quality component improved by 91 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 58 |
| Q4 2024 | 53 |
| Q1 2025 | 39 |
| Q2 2025 | 37 |
| Q3 2025 | 46 |
| Q4 2025 | 46 |
| Q1 2026 | 60 |
| Q2 2026 | 58 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.52% |
| Q3 2024 | 8.81% |
| Q4 2024 | 8.91% |
| Q1 2025 | 8.83% |
| Q2 2025 | 8.79% |
| Q3 2025 | 8.73% |
| Q4 2025 | 9.05% |
| Q1 2026 | 8.19% |
| Q2 2026 | 8.38% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.93% |
| Q3 2024 | 1.00% |
| Q4 2024 | 1.48% |
| Q1 2025 | 3.05% |
| Q2 2025 | 3.09% |
| Q3 2025 | 1.99% |
| Q4 2025 | 2.08% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.27% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.65% |
| Q3 2024 | 0.44% |
| Q4 2024 | 0.36% |
| Q1 2025 | 0.39% |
| Q2 2025 | -0.00% |
| Q3 2025 | -0.00% |
| Q4 2025 | -0.08% |
| Q1 2026 | -2.08% |
| Q2 2026 | -1.13% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $4.9M | 8.38% | 0.27% | -1.13% | 56.5% |
| Q1 2026 | 60 | $5.1M | 8.19% | 0.00% | -2.08% | 51.4% |
| Q4 2025 | 46 | $4.9M | 9.05% | 2.08% | -0.08% | 60.0% |
| Q3 2025 | 46 | $5.1M | 8.73% | 1.99% | -0.00% | 60.4% |
| Q2 2025 | 37 | $5.1M | 8.79% | 3.09% | -0.00% | 61.4% |
| Q1 2025 | 39 | $5.1M | 8.83% | 3.05% | 0.39% | 65.0% |
| Q4 2024 | 53 | $5.0M | 8.91% | 1.48% | 0.36% | 68.8% |
| Q3 2024 | 58 | $5.0M | 8.81% | 1.00% | 0.44% | 69.0% |
| Q2 2024 | 59 | $5.2M | 8.52% | 0.93% | 0.65% | 70.0% |
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).
Similar-size credit unions in West Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| C C M H Federal Credit UnionCredit union Parkersburg, WV | 68 out of 100, Moderate | $5.5M | 11.3% | 0.07% | vs |
| Appalachian Power Employees Federal Credit UnionCredit union Huntington, WV | 64 out of 100, Moderate | $5.6M | 24.3% | 1.99% | vs |
| Ohio County Public Schools Federal Credit UnionCredit union Wheeling, WV | 76 out of 100, Strong | $5.7M | 12.1% | 0.00% | vs |
| Huntington West VA Firemens Federal Credit UnionCredit union Huntington, WV | 53 out of 100, Below average | $6.1M | 12.1% | 4.44% | vs |
| Twin Oaks Federal Credit UnionCredit union Apple Grove, WV | 68 out of 100, Moderate | $6.6M | 12.4% | 0.60% | vs |
| Teamsters Local 697 Federal Credit UnionCredit union Wheeling, WV | 45 out of 100, Below average | $2.9M | 11.7% | 2.83% | vs |
Deposit insurance
Is my money safe at Charleston Postal Federal Credit Union?
Yes. Charleston Postal Federal Credit Union is a federally insured credit union (NCUA charter #24743). 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 0.0% of shares and deposits ($0) 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 8.38%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Charleston Postal Federal Credit Union lists 1 office in 1 city. Most locations:
- Charleston, WV (1)
Identity & history
Profile
- Legal name
- Charleston Postal Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24743
- RSSD ID
- 1225190
- Primary regulator
- NCUA
- Established
- 1925
- Headquarters
- 1000 Centre Way, 1000 Centre Way, Charleston, WV 25309
- Employees
- 2
Quick answers
Charleston Postal Federal Credit Union: common questions
Is Charleston Postal Federal Credit Union NCUA insured?
Yes. Charleston Postal Federal Credit Union is a federally insured credit union (NCUA charter #24743). 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 Postal Federal Credit Union's TellerScore?
58 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.
How many branches does Charleston Postal Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Charleston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Putnam School Employees Federal Credit UnionCredit union Eleanor, WV | 99 out of 100, Very strong | $14.1M | 21.0% | 0.14% | vs |
| Camc Federal Credit UnionCredit union Charleston, WV | 98 out of 100, Very strong | $80.3M | 28.3% | 0.01% | vs |
| Wv National Guard Federal Credit UnionCredit union Charleston, WV | 98 out of 100, Very strong | $51.6M | 14.8% | 0.00% | vs |
| The State Credit UnionCredit union Charleston, WV | 90 out of 100, Very strong | $95.3M | 19.1% | 0.25% | vs |
| West Virginia Federal Credit UnionCredit union South Charlesto, WV | 88 out of 100, Very strong | $141.6M | 18.5% | 0.74% | vs |
| Charleston Federal Credit UnionCredit union Charleston, WV | 88 out of 100, Very strong | $15.5M | 14.8% | 0.75% | vs |