TellerScore

Headquartered in Fairmont, West Virginia, Marion County School Employees Federal Credit Union is a federal credit union with $9.9M in total assets and $7.9M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1976.

Based on its Q2 2026 filing, Marion County School Employees Federal Credit Union scores 89/100, which we describe as very strong. That is higher than 87% of 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 12th. Its strongest component is capital cushion (100/100; 20.72%), and its lowest is earnings (67/100; 1.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.72%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.53%
Earnings67/100
Return on assets (annualized): 1.16%
Funding & liquidity100/100
Loans ÷ shares: 37.5% · 0.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.76%

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 3 points (92 → 89), mostly because the earnings component weakened by 9 points.

TellerScore
829097Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202482
Q4 202487
Q1 202584
Q2 202592
Q3 202592
Q4 202597
Q1 202690
Q2 202689
Net worth ratio
7.00%14.48%21.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.29%
Q3 202420.29%
Q4 202420.64%
Q1 202519.69%
Q2 202520.04%
Q3 202521.53%
Q4 202521.96%
Q1 202620.92%
Q2 202620.72%
Delinquent loans (60+ days)
0.14%0.52%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.14%
Q3 20240.91%
Q4 20240.72%
Q1 20250.42%
Q2 20250.40%
Q3 20250.50%
Q4 20250.22%
Q1 20260.52%
Q2 20260.53%
Return on assets
-0.02%0.90%1.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.02%
Q3 20240.75%
Q4 20241.09%
Q1 20250.42%
Q2 20251.40%
Q3 20251.50%
Q4 20251.82%
Q1 20261.24%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$9.9M20.72%0.53%1.16%37.5%
Q1 202690$9.7M20.92%0.52%1.24%38.2%
Q4 202597$9.1M21.96%0.22%1.82%41.2%
Q3 202592$9.1M21.53%0.50%1.50%42.8%
Q2 202592$9.5M20.04%0.40%1.40%39.6%
Q1 202584$9.5M19.69%0.42%0.42%40.7%
Q4 202487$8.9M20.64%0.72%1.09%45.7%
Q3 202482$8.8M20.29%0.91%0.75%47.5%
Q2 202482$9.0M19.29%0.14%-0.02%45.6%

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 ratio20.72%
79th
Problem loans0.53%
57th
Net charge-offs0.37%
34th
Return on assets1.16%
74th
Loans to deposits37.5%
81st
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.8%
70th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Local No. 317 I.A.F.F. Credit UnionCredit union Charleston, WV65 out of 100, Moderate$10.1M8.6%0.00%vs
Pace Federal Credit UnionCredit union Huntington, WV86 out of 100, Very strong$8.7M12.9%0.00%vs
Fayette Federal Credit UnionCredit union Mount Hope, WV89 out of 100, Very strong$8.5M24.0%0.00%vs
Alderson Fci Federal Credit UnionCredit union Alderson, WV63 out of 100, Moderate$8.5M25.3%10.82%vs
Cha-Tel Federal Credit UnionCredit union Charleston, WV86 out of 100, Very strong$11.5M13.6%0.04%vs
City of Clarksburg Federal Credit UnionCredit union Clarksburg, WV83 out of 100, Strong$8.2M14.2%0.02%vs

Deposit insurance

Is my money safe at Marion County School Employees Federal Credit Union?

Yes. Marion County School Employees Federal Credit Union is a federally insured credit union (NCUA charter #22428). 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 20.72%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Marion County School Employees Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Marion County School Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
22428
RSSD ID
656489
Primary regulator
NCUA
Established
1976
Headquarters
1512 Mary Lou Retton Dr, Fairmont, WV 26554
Employees
4

Quick answers

Marion County School Employees Federal Credit Union: common questions

Is Marion County School Employees Federal Credit Union NCUA insured?

Yes. Marion County School Employees Federal Credit Union is a federally insured credit union (NCUA charter #22428). 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 Marion County School Employees Federal Credit Union's TellerScore?

89 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 Marion County School Employees Federal Credit Union have?

2 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
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
Chessie Federal Credit UnionCredit union Cumberland, MD83 out of 100, Strong$434.4M13.8%0.82%vs