TellerScore

Headquartered in Clarksburg, West Virginia, City of Clarksburg Federal Credit Union is a federal credit union with $8.2M in total assets and $7.0M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1960.

Based on its Q2 2026 filing, City of Clarksburg Federal Credit Union scores 83/100, which we describe as strong. That is higher than 72% of 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 23rd. Its strongest component is funding & liquidity (100/100; 29% loans-to-deposits, 0% uninsured), and its lowest is earnings (27/100; 0.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion92/100
Net worth ratio: 14.22%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.02%
Earnings27/100
Return on assets (annualized): 0.19%
Funding & liquidity100/100
Loans ÷ shares: 29.3% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.04%

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 (84 → 83).

TellerScore
617486Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202483
Q4 202461
Q1 202573
Q2 202584
Q3 202584
Q4 202583
Q1 202683
Q2 202683
Net worth ratio
7.00%10.64%14.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.09%
Q3 202413.49%
Q4 202413.77%
Q1 202513.68%
Q2 202513.58%
Q3 202513.94%
Q4 202513.99%
Q1 202614.29%
Q2 202614.22%
Delinquent loans (60+ days)
0.00%1.76%3.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.01%
Q3 20240.54%
Q4 20243.52%
Q1 20251.43%
Q2 20250.00%
Q3 20250.10%
Q4 20250.08%
Q1 20260.11%
Q2 20260.02%
Return on assets
0.19%0.60%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.99%
Q3 20241.02%
Q4 20240.92%
Q1 20250.65%
Q2 20250.46%
Q3 20250.46%
Q4 20250.33%
Q1 20260.23%
Q2 20260.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$8.2M14.22%0.02%0.19%29.3%
Q1 202683$8.2M14.29%0.11%0.23%31.2%
Q4 202583$8.3M13.99%0.08%0.33%32.0%
Q3 202584$8.3M13.94%0.10%0.46%33.4%
Q2 202584$8.5M13.58%0.00%0.46%35.4%
Q1 202573$8.4M13.68%1.43%0.65%36.7%
Q4 202461$8.2M13.77%3.52%0.92%41.7%
Q3 202483$8.3M13.49%0.54%1.02%44.9%
Q2 202486$8.4M13.09%0.01%0.99%48.2%

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 ratio14.22%
49th
Problem loans0.02%
86th
Net charge-offs-0.81%
99th
Return on assets0.19%
27th
Loans to deposits29.3%
90th
Uninsured deposits0.0%
81st
Loan-loss reserves4.92%
96th
Texas ratio0.0%
86th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Berkeley County Public Schools Federal Credit UnionCredit union Martinsburg, WV78 out of 100, Strong$8.0M10.1%0.10%vs
Alderson Fci Federal Credit UnionCredit union Alderson, WV63 out of 100, Moderate$8.5M25.3%10.82%vs
Fayette Federal Credit UnionCredit union Mount Hope, WV89 out of 100, Very strong$8.5M24.0%0.00%vs
Pace Federal Credit UnionCredit union Huntington, WV86 out of 100, Very strong$8.7M12.9%0.00%vs
Twin Oaks Federal Credit UnionCredit union Apple Grove, WV68 out of 100, Moderate$6.6M12.4%0.60%vs
Marion County School Employees Federal Credit UnionCredit union Fairmont, WV89 out of 100, Very strong$9.9M20.7%0.53%vs

Deposit insurance

Is my money safe at City of Clarksburg Federal Credit Union?

Yes. City of Clarksburg Federal Credit Union is a federally insured credit union (NCUA charter #13426). 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 14.22%, 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

City of Clarksburg Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
City of Clarksburg Federal Credit Union
Type
Federal credit union
NCUA charter #
13426
RSSD ID
645586
Primary regulator
NCUA
Established
1960
Headquarters
101 S 4th St, Clarksburg, WV 26301
Employees
3

Quick answers

City of Clarksburg Federal Credit Union: common questions

Is City of Clarksburg Federal Credit Union NCUA insured?

Yes. City of Clarksburg Federal Credit Union is a federally insured credit union (NCUA charter #13426). 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 City of Clarksburg Federal Credit Union's TellerScore?

83 out of 100 (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 City of Clarksburg Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Clarksburg

InstitutionScoreAssetsCapitalProblem loansCompare
Harrison County Federal Credit UnionCredit union Nutter Fort, WV91 out of 100, Very strong$15.6M18.4%0.14%vs
Hope Federal Credit UnionCredit union Bridgeport, WV89 out of 100, Very strong$43.3M19.9%0.38%vs
Marion County School Employees Federal Credit UnionCredit union Fairmont, WV89 out of 100, Very strong$9.9M20.7%0.53%vs
Clear Mountain BankBank Bruceton Mills, WV83 out of 100, Strong$1.0B13.1%0.30%vs
Chessie Federal Credit UnionCredit union Cumberland, MD83 out of 100, Strong$434.4M13.8%0.82%vs
City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs