TellerScore

Pace Federal Credit Union is a federal credit union headquartered in Huntington, West Virginia, in business for about 70 years. At the end of Q2 2026 it reported $8.7M in total assets and $7.5M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Pace Federal Credit Union scores 86/100, which we describe as very strong. That is higher than 80% of 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 19th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (61/100; 1.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion79/100
Net worth ratio: 12.88%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings61/100
Return on assets (annualized): 1.03%
Funding & liquidity100/100
Loans ÷ shares: 57.4% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.02%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (85 → 86).

TellerScore
697886Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202480
Q4 202470
Q1 202584
Q2 202585
Q3 202583
Q4 202580
Q1 202685
Q2 202686
Net worth ratio
7.00%10.05%13.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.84%
Q3 202412.69%
Q4 202412.60%
Q1 202512.24%
Q2 202513.10%
Q3 202513.02%
Q4 202512.89%
Q1 202612.87%
Q2 202612.88%
Delinquent loans (60+ days)
0.00%0.10%0.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.09%
Q3 20240.08%
Q4 20240.21%
Q1 20250.01%
Q2 20250.04%
Q3 20250.08%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
-3.61%-1.25%1.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-3.61%
Q3 20240.65%
Q4 2024-0.54%
Q1 20251.12%
Q2 20250.98%
Q3 20250.79%
Q4 20250.25%
Q1 20260.87%
Q2 20261.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$8.7M12.88%0.00%1.03%57.4%
Q1 202685$8.6M12.87%0.00%0.87%59.0%
Q4 202580$8.6M12.89%0.00%0.25%61.6%
Q3 202583$8.7M13.02%0.08%0.79%65.6%
Q2 202585$8.6M13.10%0.04%0.98%66.1%
Q1 202584$9.1M12.24%0.01%1.12%62.2%
Q4 202470$8.6M12.60%0.21%-0.54%66.9%
Q3 202480$8.7M12.69%0.08%0.65%68.9%
Q2 202469$9.3M11.84%0.09%-3.61%66.7%

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 ratio12.88%
38th
Problem loans0.00%
87th
Net charge-offs-0.01%
87th
Return on assets1.03%
69th
Loans to deposits57.4%
52nd
Uninsured deposits0.0%
81st
Loan-loss reserves1.74%
88th
Texas ratio0.0%
87th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Fayette Federal Credit UnionCredit union Mount Hope, WV89 out of 100, Very strong$8.5M24.0%0.00%vs
Alderson Fci Federal Credit UnionCredit union Alderson, WV63 out of 100, Moderate$8.5M25.3%10.82%vs
City of Clarksburg Federal Credit UnionCredit union Clarksburg, WV83 out of 100, Strong$8.2M14.2%0.02%vs
Berkeley County Public Schools Federal Credit UnionCredit union Martinsburg, WV78 out of 100, Strong$8.0M10.1%0.10%vs
Marion County School Employees Federal Credit UnionCredit union Fairmont, WV89 out of 100, Very strong$9.9M20.7%0.53%vs
Local No. 317 I.A.F.F. Credit UnionCredit union Charleston, WV65 out of 100, Moderate$10.1M8.6%0.00%vs

Deposit insurance

Is my money safe at Pace Federal Credit Union?

Yes. Pace Federal Credit Union is a federally insured credit union (NCUA charter #11323). 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 12.88%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Pace Federal Credit Union
Type
Federal credit union
NCUA charter #
11323
RSSD ID
565880
Primary regulator
NCUA
Established
1956
Headquarters
502 8th St, Huntington, WV 25701
Employees
3

Quick answers

Pace Federal Credit Union: common questions

Is Pace Federal Credit Union NCUA insured?

Yes. Pace Federal Credit Union is a federally insured credit union (NCUA charter #11323). 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 Pace Federal Credit Union's TellerScore?

86 out of 100 (Very 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 Pace Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Huntington

InstitutionScoreAssetsCapitalProblem loansCompare
Kentucky Farmers Bank CorporationBank Catlettsburg, KY93 out of 100, Very strong$328.5M15.7%0.43%vs
First Priority Federal Credit UnionCredit union Huntington, WV82 out of 100, Strong$74.8M12.5%1.14%vs
Liberty BankBank Ironton, OH82 out of 100, Strong$55.7M18.0%0.77%vs
F.C.I. Ashland Federal Credit UnionCredit union Ashland, KY81 out of 100, Strong$8.8M14.3%0.00%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs
Putnam County BankBank Hurricane, WV80 out of 100, Strong$704.2M12.3%0.00%vs