TellerScore

Headquartered in Fairmont, West Virginia, City of Fairmont Federal Credit Union is a federal credit union with $1.4M in total assets and $1.2M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1967.

Based on its Q2 2026 filing, City of Fairmont Federal Credit Union scores 48/100, which we describe as below average. That is higher than only 7% of 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 71st. Its strongest component is funding & liquidity (87/100; 73% loans-to-deposits, 0% uninsured), and its lowest is loan quality (0/100; 9.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Net worth ratio: 10.86%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 9.25%
Earnings79/100
Return on assets (annualized): 1.46%
Funding & liquidity87/100
Loans ÷ shares: 73.0% · 0.0% uninsured
Problem-loan coverage16/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 41.78%

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 10 points (38 → 48), mostly because the earnings component improved by 59 points.

TellerScore
334148Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202435
Q3 202440
Q4 202435
Q1 202533
Q2 202538
Q3 202540
Q4 202533
Q1 202639
Q2 202648
Net worth ratio
7.00%9.34%11.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202411.69%
Q3 202411.68%
Q4 202410.37%
Q1 202510.32%
Q2 20259.97%
Q3 202510.10%
Q4 20259.95%
Q1 202610.26%
Q2 202610.86%
Delinquent loans (60+ days)
3.24%8.06%12.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 202410.13%
Q3 202410.12%
Q4 20243.48%
Q1 20259.33%
Q2 20254.61%
Q3 20253.24%
Q4 202512.89%
Q1 20269.82%
Q2 20269.25%
Return on assets
-1.17%0.15%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 2024-0.24%
Q3 20240.33%
Q4 2024-1.17%
Q1 2025-0.00%
Q2 2025-0.00%
Q3 2025-0.00%
Q4 2025-0.00%
Q1 20260.54%
Q2 20261.46%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202648$1.4M10.86%9.25%1.46%73.0%
Q1 202639$1.4M10.26%9.82%0.54%67.5%
Q4 202533$1.4M9.95%12.89%-0.00%67.4%
Q3 202540$1.4M10.10%3.24%-0.00%70.3%
Q2 202538$1.4M9.97%4.61%-0.00%69.4%
Q1 202533$1.4M10.32%9.33%-0.00%76.1%
Q4 202435$1.4M10.37%3.48%-1.17%74.3%
Q3 202440$1.4M11.68%10.12%0.33%78.3%
Q2 202435$1.4M11.69%10.13%-0.24%80.1%

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 ratio10.86%
23rd
Problem loans9.25%
2nd
Net charge-offs-2.20%
100th
Return on assets1.46%
84th
Loans to deposits73.0%
28th
Uninsured deposits0.0%
81st
Loan-loss reserves5.42%
96th
Texas ratio41.8%
1st

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Logan County School Employees Federal Credit UnionCredit union Logan, WV66 out of 100, Moderate$1.3M19.3%3.93%vs
U S Employees Federal Credit UnionCredit union Fairmont, WV32 out of 100, Low$526K7.7%2.94%vs
Eagle Can Employees Federal Credit UnionCredit union Wellsburg, WV80 out of 100, Strong$455K32.2%1.18%vs
W. Virginia State Convention Credit UnionCredit union Hilltop, WV58 out of 100, Moderate$382K9.9%3.99%vs
McDowell County Federal Credit UnionCredit union Welch, WV88 out of 100, Very strong$68K23.6%0.00%vs
Teamsters Local 697 Federal Credit UnionCredit union Wheeling, WV45 out of 100, Below average$2.9M11.7%2.83%vs

Deposit insurance

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

Yes. City of Fairmont Federal Credit Union is a federally insured credit union (NCUA charter #18142). 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 10.86%, 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 Fairmont Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
City of Fairmont Federal Credit Union
Type
Federal credit union
NCUA charter #
18142
RSSD ID
654083
Primary regulator
NCUA
Established
1967
Headquarters
P.O. Box 868, Fairmont, WV 26554
Employees
4

Quick answers

City of Fairmont Federal Credit Union: common questions

Is City of Fairmont Federal Credit Union NCUA insured?

Yes. City of Fairmont Federal Credit Union is a federally insured credit union (NCUA charter #18142). 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 Fairmont Federal Credit Union's TellerScore?

48 out of 100 (Below average), 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 Fairmont Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Fairmont

InstitutionScoreAssetsCapitalProblem loansCompare
Wvu Employees Federal Credit UnionCredit union Morgantown, WV97 out of 100, Very strong$67.8M22.8%0.23%vs
Harrison County Federal Credit UnionCredit union Nutter Fort, WV91 out of 100, Very strong$15.6M18.4%0.14%vs
Marion County School Employees Federal Credit UnionCredit union Fairmont, WV89 out of 100, Very strong$9.9M20.7%0.53%vs
Hope Federal Credit UnionCredit union Bridgeport, WV89 out of 100, Very strong$43.3M19.9%0.38%vs
Citizens Bank of Morgantown, Inc.Bank Morgantown, WV87 out of 100, Very strong$52.6M18.8%0.09%vs
Clear Mountain BankBank Bruceton Mills, WV83 out of 100, Strong$1.0B13.1%0.30%vs