Natrium Employees Federal Credit Union (NCUA charter #24090) is based in Proctor, West Virginia. Its Q2 2026 call report shows $12.0M in total assets and $10.5M in member shares and deposits and 1 office.
Natrium Employees Federal Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 22nd. Earnings contributes the most (100/100, 2.24%); loan quality contributes the least (74/100, 0.78%).
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 9 points (74 → 83), mostly because the capital cushion component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 79 |
| Q4 2024 | 80 |
| Q1 2025 | 83 |
| Q2 2025 | 74 |
| Q3 2025 | 80 |
| Q4 2025 | 78 |
| Q1 2026 | 85 |
| Q2 2026 | 83 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.28% |
| Q3 2024 | 10.68% |
| Q4 2024 | 11.34% |
| Q1 2025 | 10.89% |
| Q2 2025 | 10.98% |
| Q3 2025 | 11.76% |
| Q4 2025 | 11.54% |
| Q1 2026 | 11.98% |
| Q2 2026 | 12.41% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.23% |
| Q2 2025 | 1.17% |
| Q3 2025 | 0.99% |
| Q4 2025 | 0.94% |
| Q1 2026 | 0.53% |
| Q2 2026 | 0.78% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.38% |
| Q3 2024 | 1.46% |
| Q4 2024 | 1.43% |
| Q1 2025 | 1.75% |
| Q2 2025 | 1.73% |
| Q3 2025 | 1.94% |
| Q4 2025 | 1.71% |
| Q1 2026 | 2.03% |
| Q2 2026 | 2.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $12.0M | 12.41% | 0.78% | 2.24% | 69.8% |
| Q1 2026 | 85 | $11.8M | 11.98% | 0.53% | 2.03% | 65.2% |
| Q4 2025 | 78 | $11.7M | 11.54% | 0.94% | 1.71% | 65.5% |
| Q3 2025 | 80 | $11.2M | 11.76% | 0.99% | 1.94% | 67.8% |
| Q2 2025 | 74 | $11.4M | 10.98% | 1.17% | 1.73% | 63.6% |
| Q1 2025 | 83 | $11.0M | 10.89% | 0.23% | 1.75% | 63.2% |
| Q4 2024 | 80 | $10.2M | 11.34% | 0.27% | 1.43% | 69.4% |
| Q3 2024 | 79 | $10.5M | 10.68% | 0.38% | 1.46% | 65.6% |
| Q2 2024 | 80 | $10.5M | 10.28% | 0.00% | 1.38% | 63.6% |
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).
Similar-size credit unions in West Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Willow Island Federal Credit UnionCredit union Saint Marys, WV | 54 out of 100, Below average | $12.0M | 7.9% | 0.72% | vs |
| Cha-Tel Federal Credit UnionCredit union Charleston, WV | 86 out of 100, Very strong | $11.5M | 13.6% | 0.04% | vs |
| United Hospital Center Federal Credit UnionCredit union Bridgeport, WV | 74 out of 100, Strong | $13.2M | 22.4% | 1.95% | vs |
| Local No. 317 I.A.F.F. Credit UnionCredit union Charleston, WV | 65 out of 100, Moderate | $10.1M | 8.6% | 0.00% | vs |
| Marion County School Employees Federal Credit UnionCredit union Fairmont, WV | 89 out of 100, Very strong | $9.9M | 20.7% | 0.53% | vs |
| Putnam School Employees Federal Credit UnionCredit union Eleanor, WV | 99 out of 100, Very strong | $14.1M | 21.0% | 0.14% | vs |
Deposit insurance
Is my money safe at Natrium Employees Federal Credit Union?
Yes. Natrium Employees Federal Credit Union is a federally insured credit union (NCUA charter #24090). 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 12.41%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Natrium Employees Federal Credit Union lists 1 office in 1 city. Most locations:
- Proctor, WV (1)
Identity & history
Profile
- Legal name
- Natrium Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24090
- RSSD ID
- 713494
- Primary regulator
- NCUA
- Established
- 1984
- Headquarters
- PO Box 168, Proctor, WV 26055
- Employees
- 3
Quick answers
Natrium Employees Federal Credit Union: common questions
Is Natrium Employees Federal Credit Union NCUA insured?
Yes. Natrium Employees Federal Credit Union is a federally insured credit union (NCUA charter #24090). 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 Natrium Employees Federal Credit Union's TellerScore?
83 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 Natrium Employees Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Proctor
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Marshall County Federal Credit UnionCredit union Moundsville, WV | 99 out of 100, Very strong | $26.8M | 15.1% | 0.12% | vs |
| First Community BankBank Bluefield, VA | 75 out of 100, Strong | $3.6B | 10.2% | 0.70% | vs |
| Citizens Bank of West Virginia, Inc.Bank Elkins, WV | 74 out of 100, Strong | $772.5M | 10.0% | 0.58% | vs |
| United BankBank Fairfax, VA | 74 out of 100, Strong | $33.6B | 11.6% | 0.44% | vs |
| Ohio Valley Community Federal Credit UnionCredit union Clarington, OH | 72 out of 100, Strong | $243.6M | 13.4% | 1.59% | vs |
| The Peoples Savings BankBank New Matamoras, OH | 71 out of 100, Strong | $71.9M | 13.5% | 1.58% | vs |