TellerScore

Members Choice Wv Federal Credit Union is a federal credit union headquartered in Charleston, West Virginia, in business for about 84 years. At the end of Q2 2026 it reported $93.6M in total assets and $73.2M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Members Choice Wv Federal Credit Union scores 81/100, which we describe as strong. That is higher than 68% of 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 25th. Its strongest component is capital cushion (100/100; 21.63%), and its lowest is earnings (50/100; 0.74%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 21.63%
Loan quality66/100
Loans 60+ days delinquent ÷ total loans: 1.03%
Earnings50/100
Return on assets (annualized): 0.74%
Funding & liquidity100/100
Loans ÷ shares: 60.6% · 1.9% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.64%

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 (79 → 81), mostly because the loan quality component improved by 4 points.

TellerScore
788184Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202480
Q4 202478
Q1 202581
Q2 202579
Q3 202580
Q4 202578
Q1 202684
Q2 202681
Net worth ratio
7.00%14.47%21.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202421.13%
Q3 202421.56%
Q4 202421.94%
Q1 202521.36%
Q2 202521.40%
Q3 202521.91%
Q4 202521.82%
Q1 202621.55%
Q2 202621.63%
Delinquent loans (60+ days)
0.63%1.00%1.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.86%
Q3 20241.06%
Q4 20241.36%
Q1 20250.88%
Q2 20251.15%
Q3 20251.05%
Q4 20251.33%
Q1 20260.63%
Q2 20261.03%
Return on assets
0.51%0.63%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.51%
Q3 20240.67%
Q4 20240.69%
Q1 20250.58%
Q2 20250.66%
Q3 20250.71%
Q4 20250.75%
Q1 20260.67%
Q2 20260.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$93.6M21.63%1.03%0.74%60.6%
Q1 202684$93.1M21.55%0.63%0.67%54.5%
Q4 202578$91.2M21.82%1.33%0.75%57.2%
Q3 202580$89.9M21.91%1.05%0.71%57.9%
Q2 202579$91.3M21.40%1.15%0.66%57.0%
Q1 202581$90.6M21.36%0.88%0.58%55.9%
Q4 202478$87.6M21.94%1.36%0.69%58.9%
Q3 202480$88.4M21.56%1.06%0.67%55.6%
Q2 202480$89.2M21.13%0.86%0.51%55.4%

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 ratio21.63%
82nd
Problem loans1.03%
38th
Net charge-offs0.20%
48th
Return on assets0.74%
55th
Loans to deposits60.6%
47th
Uninsured deposits1.9%
46th
Loan-loss reserves0.00%
37th
Texas ratio2.6%
45th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
The State Credit UnionCredit union Charleston, WV90 out of 100, Very strong$95.3M19.1%0.25%vs
Universal Federal Credit UnionCredit union Huntington, WV78 out of 100, Strong$99.5M13.0%0.46%vs
Camc Federal Credit UnionCredit union Charleston, WV98 out of 100, Very strong$80.3M28.3%0.01%vs
First Priority Federal Credit UnionCredit union Huntington, WV82 out of 100, Strong$74.8M12.5%1.14%vs
167th Tfr Federal Credit UnionCredit union Martinsburg, WV78 out of 100, Strong$72.5M10.7%0.44%vs
Wvu Employees Federal Credit UnionCredit union Morgantown, WV97 out of 100, Very strong$67.8M22.8%0.23%vs

Deposit insurance

Is my money safe at Members Choice Wv Federal Credit Union?

Yes. Members Choice Wv Federal Credit Union is a federally insured credit union (NCUA charter #4969). 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 1.9% of shares and deposits ($1.4M) 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 21.63%, 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

Members Choice Wv Federal Credit Union lists 1 office in 1 city. Most locations:

  • Lino Lakes, MN (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Members Choice Wv Federal Credit Union reported 40 home-loan applications under HMDA (LEI 8945004TOFQ849QXKH05): 39 originated ($1,835,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Members Choice Wv Federal Credit Union
Type
Federal credit union
NCUA charter #
4969
RSSD ID
101073
Primary regulator
NCUA
Established
1942
Headquarters
P O Box 20040, Charleston, WV 25362
Employees
18

Quick answers

Members Choice Wv Federal Credit Union: common questions

Is Members Choice Wv Federal Credit Union NCUA insured?

Yes. Members Choice Wv Federal Credit Union is a federally insured credit union (NCUA charter #4969). 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 Members Choice Wv Federal Credit Union's TellerScore?

81 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 Members Choice Wv Federal Credit Union have?

1 office as of the latest NCUA data.