TellerScore

Headquartered in Bluefield, West Virginia, Mercer County W VA Teachers Federal Credit Union is a federal credit union with $28.3M in total assets and $25.6M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1954.

Mercer County W VA Teachers Federal Credit Union has a TellerScore of 56 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 63rd. Funding & liquidity contributes the most (89/100, 71% loans-to-deposits, 0% uninsured); loan quality contributes the least (37/100, 1.88%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Net worth ratio: 9.35%
Loan quality37/100
Loans 60+ days delinquent ÷ total loans: 1.88%
Earnings67/100
Return on assets (annualized): 1.18%
Funding & liquidity89/100
Loans ÷ shares: 71.5% · 0.0% uninsured
Problem-loan coverage74/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 13.02%

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 5 points (51 → 56), mostly because the loan quality component improved by 12 points.

TellerScore
435056Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202449
Q4 202450
Q1 202543
Q2 202551
Q3 202555
Q4 202548
Q1 202653
Q2 202656
Net worth ratio
7.00%8.21%9.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.41%
Q3 20249.29%
Q4 20249.12%
Q1 20259.20%
Q2 20259.24%
Q3 20259.33%
Q4 20258.88%
Q1 20269.13%
Q2 20269.35%
Delinquent loans (60+ days)
1.86%2.41%2.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.11%
Q3 20242.26%
Q4 20242.16%
Q1 20252.95%
Q2 20252.25%
Q3 20251.86%
Q4 20252.25%
Q1 20262.07%
Q2 20261.88%
Return on assets
0.83%1.06%1.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.29%
Q3 20240.94%
Q4 20240.96%
Q1 20251.02%
Q2 20251.07%
Q3 20251.09%
Q4 20250.83%
Q1 20261.10%
Q2 20261.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$28.3M9.35%1.88%1.18%71.5%
Q1 202653$28.0M9.13%2.07%1.10%73.3%
Q4 202548$27.9M8.88%2.25%0.83%73.0%
Q3 202555$26.5M9.33%1.86%1.09%75.8%
Q2 202551$26.0M9.24%2.25%1.07%77.2%
Q1 202543$25.3M9.20%2.95%1.02%78.7%
Q4 202450$24.8M9.12%2.16%0.96%80.6%
Q3 202449$24.4M9.29%2.26%0.94%83.6%
Q2 202452$23.2M9.41%2.11%1.29%88.8%

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 ratio9.35%
11th
Problem loans1.88%
23rd
Net charge-offs0.14%
53rd
Return on assets1.18%
75th
Loans to deposits71.5%
31st
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio13.0%
9th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Wee Federal Credit UnionCredit union Parkersburg, WV62 out of 100, Moderate$29.0M13.2%2.56%vs
Alloy Federal Credit UnionCredit union Alloy, WV71 out of 100, Strong$29.6M14.7%1.83%vs
Ibew 317 Federal Credit UnionCredit union Huntington, WV50 out of 100, Below average$29.6M11.1%4.71%vs
Marshall County Federal Credit UnionCredit union Moundsville, WV99 out of 100, Very strong$26.8M15.1%0.12%vs
Huntington C & O Railway Employees Federal Credit UnionCredit union Huntington, WV61 out of 100, Moderate$30.7M15.3%5.58%vs
Preston Federal Credit UnionCredit union Kingwood, WV81 out of 100, Strong$31.2M13.6%1.10%vs

Deposit insurance

Is my money safe at Mercer County W VA Teachers Federal Credit Union?

Yes. Mercer County W VA Teachers Federal Credit Union is a federally insured credit union (NCUA charter #9413). 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 9.35%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Mercer County W VA Teachers Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Mercer County W VA Teachers Federal Credit Union
Type
Federal credit union
NCUA charter #
9413
RSSD ID
973186
Primary regulator
NCUA
Established
1954
Headquarters
P.O. Box 1294, Bluefield, WV 24701
Employees
6

Quick answers

Mercer County W VA Teachers Federal Credit Union: common questions

Is Mercer County W VA Teachers Federal Credit Union NCUA insured?

Yes. Mercer County W VA Teachers Federal Credit Union is a federally insured credit union (NCUA charter #9413). 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 Mercer County W VA Teachers Federal Credit Union's TellerScore?

56 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 Mercer County W VA Teachers Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Bluefield

InstitutionScoreAssetsCapitalProblem loansCompare
McDowell County Federal Credit UnionCredit union Welch, WV88 out of 100, Very strong$68K23.6%0.00%vs
Celco Community Federal Credit UnionCredit union Narrows, VA85 out of 100, Very strong$143.9M20.9%1.33%vs
City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs
New Peoples Bank, Inc.Bank Honaker, VA76 out of 100, Strong$942.5M11.2%0.45%vs
First Community BankBank Bluefield, VA75 out of 100, Strong$3.6B10.2%0.70%vs
The National Bank of BlacksburgBank Blacksburg, VA70 out of 100, Strong$1.8B10.5%0.06%vs