TellerScore

Element Federal Credit Union (NCUA charter #23162) is based in Charleston, West Virginia. Its Q2 2026 call report shows $47.3M in total assets and $36.6M in member shares and deposits and 3 offices.

Based on its Q2 2026 filing, Element Federal Credit Union scores 76/100, which we describe as strong. That is higher than 54% of 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 36th. Its strongest component is capital cushion (100/100; 21.80%), and its lowest is loan quality (54/100; 1.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 21.80%
Loan quality54/100
Loans 60+ days delinquent ÷ total loans: 1.38%
Earnings56/100
Return on assets (annualized): 0.90%
Funding & liquidity82/100
Loans ÷ shares: 78.1% · 4.1% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.03%

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 2 points (74 → 76), mostly because the earnings component weakened by 37 points.

TellerScore
677481Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202478
Q4 202477
Q1 202577
Q2 202574
Q3 202570
Q4 202568
Q1 202681
Q2 202676
Net worth ratio
7.00%14.40%21.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.34%
Q3 202412.35%
Q4 202412.75%
Q1 202512.52%
Q2 202512.27%
Q3 202512.30%
Q4 202511.93%
Q1 202620.16%
Q2 202621.80%
Delinquent loans (60+ days)
0.52%1.08%1.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.59%
Q3 20240.52%
Q4 20241.09%
Q1 20251.09%
Q2 20251.22%
Q3 20251.63%
Q4 20251.32%
Q1 20261.44%
Q2 20261.38%
Return on assets
0.90%1.44%1.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.36%
Q3 20241.52%
Q4 20241.84%
Q1 20251.97%
Q2 20251.83%
Q3 20251.84%
Q4 20251.42%
Q1 20261.53%
Q2 20260.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$47.3M21.80%1.38%0.90%78.1%
Q1 202681$51.0M20.16%1.44%1.53%73.8%
Q4 202568$84.6M11.93%1.32%1.42%41.2%
Q3 202570$81.5M12.30%1.63%1.84%44.0%
Q2 202574$78.7M12.27%1.22%1.83%47.2%
Q1 202577$73.9M12.52%1.09%1.97%51.6%
Q4 202477$69.7M12.75%1.09%1.84%55.2%
Q3 202478$67.8M12.35%0.52%1.52%57.6%
Q2 202467$65.2M12.34%1.59%1.36%59.1%

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 ratio21.80%
82nd
Problem loans1.38%
30th
Net charge-offs0.42%
31st
Return on assets0.90%
63rd
Loans to deposits78.1%
22nd
Uninsured deposits4.1%
27th
Loan-loss reserves0.00%
37th
Texas ratio5.0%
29th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Mountain Heritage Federal Credit UnionCredit union Parkersburg, WV54 out of 100, Below average$47.0M14.5%3.24%vs
Huntingtonized Federal Credit UnionCredit union Huntington, WV70 out of 100, Strong$46.7M16.8%2.16%vs
Kemba Charleston Federal Credit UnionCredit union Dunbar, WV81 out of 100, Strong$44.7M20.6%1.00%vs
Hope Federal Credit UnionCredit union Bridgeport, WV89 out of 100, Very strong$43.3M19.9%0.38%vs
Wv National Guard Federal Credit UnionCredit union Charleston, WV98 out of 100, Very strong$51.6M14.8%0.00%vs
Metro Community Federal Credit UnionCredit union Huntington, WV51 out of 100, Below average$51.7M9.7%2.71%vs

Deposit insurance

Is my money safe at Element Federal Credit Union?

Yes. Element Federal Credit Union is a federally insured credit union (NCUA charter #23162). 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 4.1% of shares and deposits ($1.5M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 21.80%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Element Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Element Federal Credit Union
Type
Federal credit union
NCUA charter #
23162
RSSD ID
783880
Primary regulator
NCUA
Established
1978
Headquarters
3418 MacCorkle Ave SE, Charleston, WV 25304
Employees
19

Quick answers

Element Federal Credit Union: common questions

Is Element Federal Credit Union NCUA insured?

Yes. Element Federal Credit Union is a federally insured credit union (NCUA charter #23162). 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 Element Federal Credit Union's TellerScore?

76 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 Element Federal Credit Union have?

3 offices 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
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