McDowell County Federal Credit Union (NCUA charter #18950) is based in Welch, West Virginia. Its Q2 2026 call report shows $68K in total assets and $52K in member shares and deposits and 1 office.
McDowell County Federal Credit Union has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 85% of its 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 17th. Capital cushion contributes the most (100/100, 23.60%); earnings contributes the least (40/100, 0.50%).
TellerScore · Q2 2026
Scorecard
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 8 points (80 → 88), mostly because the earnings component improved by 40 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 62 |
| Q4 2024 | 58 |
| Q1 2025 | 58 |
| Q2 2025 | 80 |
| Q3 2025 | 80 |
| Q4 2025 | 84 |
| Q1 2026 | 97 |
| Q2 2026 | 88 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.40% |
| Q3 2024 | 15.58% |
| Q4 2024 | 15.41% |
| Q1 2025 | 25.84% |
| Q2 2025 | 23.85% |
| Q3 2025 | 23.03% |
| Q4 2025 | 24.82% |
| Q1 2026 | 24.41% |
| Q2 2026 | 23.60% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 3.18% |
| Q3 2024 | 7.39% |
| Q4 2024 | 6.88% |
| Q1 2025 | 8.28% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.11% |
| Q3 2024 | 0.47% |
| Q4 2024 | 0.07% |
| Q1 2025 | 0.05% |
| Q2 2025 | -2.88% |
| Q3 2025 | -1.58% |
| Q4 2025 | 0.01% |
| Q1 2026 | 1.58% |
| Q2 2026 | 0.50% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 88 | $68K | 23.60% | 0.00% | 0.50% | 12.9% |
| Q1 2026 | 97 | $66K | 24.41% | 0.00% | 1.58% | 20.2% |
| Q4 2025 | 84 | $64K | 24.82% | 0.00% | 0.01% | 28.8% |
| Q3 2025 | 80 | $66K | 23.03% | 0.00% | -1.58% | 16.7% |
| Q2 2025 | 80 | $63K | 23.85% | 0.00% | -2.88% | 20.7% |
| Q1 2025 | 58 | $62K | 25.84% | 8.28% | 0.05% | 29.7% |
| Q4 2024 | 58 | $103K | 15.41% | 6.88% | 0.07% | 18.6% |
| Q3 2024 | 62 | $104K | 15.58% | 7.39% | 0.47% | 17.3% |
| Q2 2024 | 57 | $102K | 15.40% | 3.18% | -0.11% | 18.2% |
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).
Similar-size credit unions in West Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| W. Virginia State Convention Credit UnionCredit union Hilltop, WV | 58 out of 100, Moderate | $382K | 9.9% | 3.99% | vs |
| Eagle Can Employees Federal Credit UnionCredit union Wellsburg, WV | 80 out of 100, Strong | $455K | 32.2% | 1.18% | vs |
| U S Employees Federal Credit UnionCredit union Fairmont, WV | 32 out of 100, Low | $526K | 7.7% | 2.94% | vs |
| Logan County School Employees Federal Credit UnionCredit union Logan, WV | 66 out of 100, Moderate | $1.3M | 19.3% | 3.93% | vs |
| City of Fairmont Federal Credit UnionCredit union Fairmont, WV | 48 out of 100, Below average | $1.4M | 10.9% | 9.25% | vs |
| Teamsters Local 697 Federal Credit UnionCredit union Wheeling, WV | 45 out of 100, Below average | $2.9M | 11.7% | 2.83% | vs |
Deposit insurance
Is my money safe at McDowell County Federal Credit Union?
Yes. McDowell County Federal Credit Union is a federally insured credit union (NCUA charter #18950). 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 23.60%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
McDowell County Federal Credit Union lists 1 office in 1 city. Most locations:
- Bluefield, WV (1)
Identity & history
Profile
- Legal name
- McDowell County Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 18950
- RSSD ID
- 249386
- Primary regulator
- NCUA
- Established
- 1968
- Headquarters
- 21 Bank Street, Welch, WV 24801
Quick answers
McDowell County Federal Credit Union: common questions
Is McDowell County Federal Credit Union NCUA insured?
Yes. McDowell County Federal Credit Union is a federally insured credit union (NCUA charter #18950). 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 McDowell County Federal Credit Union's TellerScore?
88 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 McDowell County Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Welch
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Celco Community Federal Credit UnionCredit union Narrows, VA | 85 out of 100, Very strong | $143.9M | 20.9% | 1.33% | vs |
| City National Bank of West VirginiaBank Charleston, WV | 78 out of 100, Strong | $6.8B | 9.6% | 0.22% | vs |
| New Peoples Bank, Inc.Bank Honaker, VA | 76 out of 100, Strong | $942.5M | 11.2% | 0.45% | vs |
| First Community BankBank Bluefield, VA | 75 out of 100, Strong | $3.6B | 10.2% | 0.70% | vs |
| The National Bank of BlacksburgBank Blacksburg, VA | 70 out of 100, Strong | $1.8B | 10.5% | 0.06% | vs |
| National Employees Federal Credit UnionCredit union Bluefield, WV | 68 out of 100, Moderate | $15.0M | 13.1% | 1.02% | vs |