TellerScore

Harrison County Federal Credit Union (NCUA charter #18254) is based in Nutter Fort, West Virginia. Its Q2 2026 call report shows $15.6M in total assets and $12.7M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Harrison County Federal Credit Union scores 91/100, which we describe as very strong. That is higher than 90% of 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 9th. Its strongest component is capital cushion (100/100; 18.36%), and its lowest is earnings (62/100; 1.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.36%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.14%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity100/100
Loans ÷ shares: 52.2% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.32%

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 (91 → 91).

TellerScore
858992Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202490
Q3 202490
Q4 202485
Q1 202586
Q2 202591
Q3 202592
Q4 202592
Q1 202692
Q2 202691
Net worth ratio
7.00%12.68%18.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.28%
Q3 202416.89%
Q4 202417.12%
Q1 202517.52%
Q2 202517.57%
Q3 202518.04%
Q4 202518.35%
Q1 202618.03%
Q2 202618.36%
Delinquent loans (60+ days)
0.00%0.32%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.09%
Q3 20240.10%
Q4 20240.63%
Q1 20250.54%
Q2 20250.01%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.14%
Return on assets
0.76%0.91%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.81%
Q3 20240.86%
Q4 20240.76%
Q1 20250.83%
Q2 20250.83%
Q3 20250.99%
Q4 20250.97%
Q1 20261.06%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202691$15.6M18.36%0.14%1.05%52.2%
Q1 202692$15.7M18.03%0.00%1.06%48.2%
Q4 202592$15.2M18.35%0.00%0.97%49.1%
Q3 202592$15.2M18.04%0.00%0.99%44.8%
Q2 202591$15.4M17.57%0.01%0.83%41.2%
Q1 202586$15.2M17.52%0.54%0.83%37.6%
Q4 202485$15.4M17.12%0.63%0.76%37.2%
Q3 202490$15.5M16.89%0.10%0.86%37.5%
Q2 202490$15.9M16.28%0.09%0.81%38.3%

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 ratio18.36%
71st
Problem loans0.14%
77th
Net charge-offs0.00%
77th
Return on assets1.05%
69th
Loans to deposits52.2%
60th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.3%
78th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Charleston Federal Credit UnionCredit union Charleston, WV88 out of 100, Very strong$15.5M14.8%0.75%vs
Cape Federal Credit UnionCredit union Clarksburg, WV38 out of 100, Low$15.5M6.0%1.58%vs
National Employees Federal Credit UnionCredit union Bluefield, WV68 out of 100, Moderate$15.0M13.1%1.02%vs
Romney Federal Credit UnionCredit union Romney, WV49 out of 100, Below average$14.8M9.2%2.05%vs
South Charleston Employees Federal Credit UnionCredit union South Charlesto, WV61 out of 100, Moderate$14.2M59.8%3.54%vs
Putnam School Employees Federal Credit UnionCredit union Eleanor, WV99 out of 100, Very strong$14.1M21.0%0.14%vs

Deposit insurance

Is my money safe at Harrison County Federal Credit Union?

Yes. Harrison County Federal Credit Union is a federally insured credit union (NCUA charter #18254). 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 18.36%, 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

Harrison County Federal Credit Union lists 1 office in 1 city. Most locations:

  • Nutter Fort, WV (1)

All branch addresses and map

Identity & history

Profile

Legal name
Harrison County Federal Credit Union
Type
Federal credit union
NCUA charter #
18254
RSSD ID
477488
Primary regulator
NCUA
Established
1967
Headquarters
315 Buckhannon Pike, Nutter Fort, WV 26301
Employees
3

Quick answers

Harrison County Federal Credit Union: common questions

Is Harrison County Federal Credit Union NCUA insured?

Yes. Harrison County Federal Credit Union is a federally insured credit union (NCUA charter #18254). 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 Harrison County Federal Credit Union's TellerScore?

91 out of 100 (Very 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 Harrison County Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Nutter Fort

InstitutionScoreAssetsCapitalProblem loansCompare
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
City of Clarksburg Federal Credit UnionCredit union Clarksburg, WV83 out of 100, Strong$8.2M14.2%0.02%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