TellerScore

One Community Federal Credit Union is a federal credit union headquartered in Parkersburg, West Virginia, in business for about 68 years. At the end of Q2 2026 it reported $100.9M in total assets and $89.3M in member shares and deposits, with 2 offices.

One Community Federal Credit Union has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 1,341 credit unions with $100 million – $1 billion. Among 74 credit unions headquartered in West Virginia, it ranks 52nd. Problem-loan coverage contributes the most (84/100, 7.9%); earnings contributes the least (50/100, 0.75%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Net worth ratio: 10.89%
Loan quality62/100
Loans 60+ days delinquent ÷ total loans: 1.15%
Earnings50/100
Return on assets (annualized): 0.75%
Funding & liquidity77/100
Loans ÷ shares: 83.5% · 1.6% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.92%

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 (55 → 63), mostly because the earnings component improved by 50 points.

TellerScore
495663Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202456
Q4 202453
Q1 202549
Q2 202555
Q3 202550
Q4 202551
Q1 202662
Q2 202663
Net worth ratio
7.00%8.95%10.89%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.66%
Q3 202410.74%
Q4 202410.22%
Q1 20259.75%
Q2 20259.72%
Q3 202510.22%
Q4 202510.34%
Q1 202610.63%
Q2 202610.89%
Delinquent loans (60+ days)
0.68%1.30%1.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.68%
Q3 20241.81%
Q4 20241.91%
Q1 20251.61%
Q2 20250.68%
Q3 20251.28%
Q4 20251.18%
Q1 20260.86%
Q2 20261.15%
Return on assets
-0.85%0.08%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.02%
Q3 20240.89%
Q4 20240.75%
Q1 2025-0.21%
Q2 2025-0.70%
Q3 2025-0.77%
Q4 2025-0.85%
Q1 20260.38%
Q2 20260.75%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$100.9M10.89%1.15%0.75%83.5%
Q1 202662$100.8M10.63%0.86%0.38%80.7%
Q4 202551$102.7M10.34%1.18%-0.85%80.2%
Q3 202550$107.1M10.22%1.28%-0.77%77.8%
Q2 202555$114.8M9.72%0.68%-0.70%74.3%
Q1 202549$117.9M9.75%1.61%-0.21%74.0%
Q4 202453$113.1M10.22%1.91%0.75%82.4%
Q3 202456$107.1M10.74%1.81%0.89%90.8%
Q2 202457$106.3M10.66%1.68%1.02%94.3%

1,341 peers · $100 million – $1 billion

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 ratio10.89%
42nd
Problem loans1.15%
24th
Net charge-offs0.56%
30th
Return on assets0.75%
50th
Loans to deposits83.5%
32nd
Uninsured deposits1.6%
92nd
Loan-loss reserves0.00%
50th
Texas ratio7.9%
21st

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
The United Federal Credit UnionCredit union Morgantown, WV57 out of 100, Moderate$109.2M27.6%3.21%vs
Peoples Federal Credit UnionCredit union Nitro, WV68 out of 100, Moderate$130.6M16.5%2.19%vs
West Virginia Federal Credit UnionCredit union South Charlesto, WV88 out of 100, Very strong$141.6M18.5%0.74%vs
Star USA Federal Credit UnionCredit union Charleston, WV62 out of 100, Moderate$153.0M10.6%0.98%vs
Long Reach Federal Credit UnionCredit union Middlebourne, WV65 out of 100, Moderate$193.2M9.9%1.08%vs
Pioneer Appalachia Federal Credit UnionCredit union Charleston, WV76 out of 100, Strong$245.2M11.3%0.07%vs

Deposit insurance

Is my money safe at One Community Federal Credit Union?

Yes. One Community Federal Credit Union is a federally insured credit union (NCUA charter #12143). 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 1.6% of shares and deposits ($1.5M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.89%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

One Community Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
One Community Federal Credit Union
Type
Federal credit union
NCUA charter #
12143
RSSD ID
406086
Primary regulator
NCUA
Established
1958
Headquarters
531 5th St, Parkersburg, WV 26101
Employees
26

Quick answers

One Community Federal Credit Union: common questions

Is One Community Federal Credit Union NCUA insured?

Yes. One Community Federal Credit Union is a federally insured credit union (NCUA charter #12143). 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 One Community Federal Credit Union's TellerScore?

63 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 One Community Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Parkersburg

InstitutionScoreAssetsCapitalProblem loansCompare
The Settlers BankBank Marietta, OH94 out of 100, Very strong$142.4M16.2%0.18%vs
First Bank of OhioBank Tiffin, OH90 out of 100, Very strong$278.4M35.5%0.26%vs
The Citizens Bank CompanyBank Beverly, OH86 out of 100, Very strong$334.6M13.6%0.39%vs
Union Trades Federal Credit UnionCredit union Parkersburg, WV84 out of 100, Strong$34.4M18.4%0.92%vs
Southeastern Ohio Credit UnionCredit union Cambridge, OH78 out of 100, Strong$65.4M12.1%1.03%vs
City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs