TellerScore

Fairmont Federal Credit Union is a federal credit union headquartered in Fairmont, West Virginia, in business for about 87 years. At the end of Q2 2026 it reported $603.1M in total assets and $542.4M in member shares and deposits, with 8 offices.

Fairmont Federal Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 45% of its 1,341 credit unions with $100 million – $1 billion. Among 74 credit unions headquartered in West Virginia, it ranks 42nd. Problem-loan coverage contributes the most (91/100, 4.6%); capital cushion contributes the least (50/100, 9.97%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Net worth ratio: 9.97%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.69%
Earnings54/100
Return on assets (annualized): 0.86%
Funding & liquidity90/100
Loans ÷ shares: 70.4% · 6.1% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.61%

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 fell 2 points (70 → 68), mostly because the loan quality component weakened by 8 points.

TellerScore
686970Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202470
Q4 202469
Q1 202570
Q2 202570
Q3 202570
Q4 202569
Q1 202669
Q2 202668
Net worth ratio
7.00%8.49%9.99%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.95%
Q3 20249.98%
Q4 20249.99%
Q1 20259.91%
Q2 20259.89%
Q3 20259.91%
Q4 20259.92%
Q1 20269.89%
Q2 20269.97%
Delinquent loans (60+ days)
0.30%0.50%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.54%
Q3 20240.32%
Q4 20240.44%
Q1 20250.31%
Q2 20250.46%
Q3 20250.41%
Q4 20250.55%
Q1 20260.30%
Q2 20260.69%
Return on assets
0.61%0.75%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.87%
Q3 20240.82%
Q4 20240.81%
Q1 20250.69%
Q2 20250.87%
Q3 20250.89%
Q4 20250.86%
Q1 20260.61%
Q2 20260.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$603.1M9.97%0.69%0.86%70.4%
Q1 202669$602.5M9.89%0.30%0.61%69.0%
Q4 202569$580.6M9.92%0.55%0.86%72.2%
Q3 202570$562.5M9.91%0.41%0.89%72.7%
Q2 202570$564.4M9.89%0.46%0.87%71.1%
Q1 202570$559.5M9.91%0.31%0.69%69.5%
Q4 202469$531.3M9.99%0.44%0.81%72.7%
Q3 202470$513.6M9.98%0.32%0.82%74.1%
Q2 202468$511.2M9.95%0.54%0.87%72.8%

1,341 peers · $100 million – $1 billion

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 ratio9.97%
28th
Problem loans0.69%
49th
Net charge-offs0.04%
93rd
Return on assets0.86%
58th
Loans to deposits70.4%
61st
Uninsured deposits6.1%
48th
Loan-loss reserves0.00%
50th
Texas ratio4.6%
44th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
First Choice America Community Federal Credit UnionCredit union Weirton, WV96 out of 100, Very strong$713.9M18.1%0.15%vs
Bayer Heritage Federal Credit UnionCredit union New Martinsvill, WV54 out of 100, Below average$800.7M9.9%1.68%vs
West Virginia Central Federal Credit UnionCredit union Parkersburg, WV76 out of 100, Strong$341.3M13.2%0.87%vs
Pioneer Appalachia Federal Credit UnionCredit union Charleston, WV76 out of 100, Strong$245.2M11.3%0.07%vs
Long Reach Federal Credit UnionCredit union Middlebourne, WV65 out of 100, Moderate$193.2M9.9%1.08%vs
Star USA Federal Credit UnionCredit union Charleston, WV62 out of 100, Moderate$153.0M10.6%0.98%vs

Deposit insurance

Is my money safe at Fairmont Federal Credit Union?

Yes. Fairmont Federal Credit Union is a federally insured credit union (NCUA charter #3439). 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 6.1% of shares and deposits ($32.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.97%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Fairmont Federal Credit Union lists 8 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Fairmont Federal Credit Union
Type
Federal credit union
NCUA charter #
3439
RSSD ID
665874
Primary regulator
NCUA
Established
1939
Headquarters
Po Box 2139, Fairmont, WV 26555
Employees
111

Quick answers

Fairmont Federal Credit Union: common questions

Is Fairmont Federal Credit Union NCUA insured?

Yes. Fairmont Federal Credit Union is a federally insured credit union (NCUA charter #3439). 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 Fairmont Federal Credit Union's TellerScore?

68 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 Fairmont Federal Credit Union have?

8 offices 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