TellerScore

National Employees Federal Credit Union is a federal credit union headquartered in Bluefield, West Virginia, in business for about 78 years. At the end of Q2 2026 it reported $15.0M in total assets and $13.0M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, National Employees Federal Credit Union scores 68/100, which we describe as moderate. That is higher than only 36% of 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 44th. Its strongest component is problem-loan coverage (90/100; 4.9%), and its lowest is earnings (27/100; 0.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion81/100
Net worth ratio: 13.07%
Loan quality66/100
Loans 60+ days delinquent ÷ total loans: 1.02%
Earnings27/100
Return on assets (annualized): 0.16%
Funding & liquidity88/100
Loans ÷ shares: 72.5% · 0.9% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.91%

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 6 points (62 → 68), mostly because the loan quality component improved by 26 points.

TellerScore
626874Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202467
Q4 202466
Q1 202570
Q2 202562
Q3 202568
Q4 202574
Q1 202672
Q2 202668
Net worth ratio
7.00%10.41%13.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.86%
Q3 202411.73%
Q4 202412.85%
Q1 202512.53%
Q2 202513.17%
Q3 202513.54%
Q4 202513.81%
Q1 202613.61%
Q2 202613.07%
Delinquent loans (60+ days)
0.59%1.19%1.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.76%
Q3 20240.80%
Q4 20241.39%
Q1 20250.76%
Q2 20251.79%
Q3 20251.39%
Q4 20250.75%
Q1 20260.59%
Q2 20261.02%
Return on assets
-0.08%0.16%0.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.23%
Q3 20240.23%
Q4 20240.30%
Q1 20250.01%
Q2 20250.12%
Q3 20250.40%
Q4 20250.33%
Q1 2026-0.08%
Q2 20260.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$15.0M13.07%1.02%0.16%72.5%
Q1 202672$14.3M13.61%0.59%-0.08%69.6%
Q4 202574$14.1M13.81%0.75%0.33%71.8%
Q3 202568$14.4M13.54%1.39%0.40%71.9%
Q2 202562$14.5M13.17%1.79%0.12%67.6%
Q1 202570$15.2M12.53%0.76%0.01%60.6%
Q4 202466$14.8M12.85%1.39%0.30%64.9%
Q3 202467$14.4M11.73%0.80%0.23%66.8%
Q2 202468$14.2M11.86%0.76%0.23%71.7%

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 ratio13.07%
40th
Problem loans1.02%
38th
Net charge-offs0.11%
56th
Return on assets0.16%
26th
Loans to deposits72.5%
29th
Uninsured deposits0.9%
55th
Loan-loss reserves0.00%
37th
Texas ratio4.9%
30th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Romney Federal Credit UnionCredit union Romney, WV49 out of 100, Below average$14.8M9.2%2.05%vs
Cape Federal Credit UnionCredit union Clarksburg, WV38 out of 100, Low$15.5M6.0%1.58%vs
Charleston Federal Credit UnionCredit union Charleston, WV88 out of 100, Very strong$15.5M14.8%0.75%vs
Harrison County Federal Credit UnionCredit union Nutter Fort, WV91 out of 100, Very strong$15.6M18.4%0.14%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 National Employees Federal Credit Union?

Yes. National Employees Federal Credit Union is a federally insured credit union (NCUA charter #5713). 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 0.9% of shares and deposits ($118K) 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 13.07%, 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

National Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
National Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
5713
RSSD ID
760573
Primary regulator
NCUA
Established
1948
Headquarters
P.O. Box 1755, Bluefield, WV 24701
Employees
5

Quick answers

National Employees Federal Credit Union: common questions

Is National Employees Federal Credit Union NCUA insured?

Yes. National Employees Federal Credit Union is a federally insured credit union (NCUA charter #5713). 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 National Employees Federal Credit Union's TellerScore?

68 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 National Employees Federal Credit Union have?

1 office as of the latest NCUA data.

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