TellerScore

Putnam School Employees Federal Credit Union (NCUA charter #21107) is based in Eleanor, West Virginia. Its Q2 2026 call report shows $14.1M in total assets and $11.1M in member shares and deposits and 3 offices.

Putnam School Employees Federal Credit Union has a TellerScore of 99 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 2nd. Its five components are fairly even, ranging from 95 to 100 out of 100.

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 21.00%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.14%
Earnings100/100
Return on assets (annualized): 3.81%
Funding & liquidity100/100
Loans ÷ shares: 60.0% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.31%

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 (94 → 99), mostly because the earnings component improved by 27 points.

TellerScore
8794100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202487
Q3 202492
Q4 202491
Q1 202588
Q2 202594
Q3 202596
Q4 202592
Q1 2026100
Q2 202699
Net worth ratio
7.00%14.00%21.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.64%
Q3 202418.98%
Q4 202419.28%
Q1 202519.38%
Q2 202519.54%
Q3 202520.39%
Q4 202520.82%
Q1 202620.87%
Q2 202621.00%
Delinquent loans (60+ days)
0.00%0.50%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.89%
Q3 20240.91%
Q4 20240.66%
Q1 20251.00%
Q2 20250.09%
Q3 20250.25%
Q4 20250.53%
Q1 20260.00%
Q2 20260.14%
Return on assets
1.34%2.57%3.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.36%
Q3 20242.03%
Q4 20241.61%
Q1 20251.55%
Q2 20251.34%
Q3 20251.84%
Q4 20251.65%
Q1 20263.02%
Q2 20263.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202699$14.1M21.00%0.14%3.81%60.0%
Q1 2026100$14.1M20.87%0.00%3.02%60.3%
Q4 202592$13.7M20.82%0.53%1.65%63.7%
Q3 202596$13.9M20.39%0.25%1.84%63.3%
Q2 202594$14.0M19.54%0.09%1.34%59.6%
Q1 202588$13.9M19.38%1.00%1.55%59.3%
Q4 202491$13.7M19.28%0.66%1.61%62.6%
Q3 202492$13.6M18.98%0.91%2.03%63.3%
Q2 202487$14.3M17.64%0.89%1.36%60.0%

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 ratio21.00%
80th
Problem loans0.14%
78th
Net charge-offs0.00%
77th
Return on assets3.81%
99th
Loans to deposits60.0%
48th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.3%
78th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
South Charleston Employees Federal Credit UnionCredit union South Charlesto, WV61 out of 100, Moderate$14.2M59.8%3.54%vs
Romney Federal Credit UnionCredit union Romney, WV49 out of 100, Below average$14.8M9.2%2.05%vs
National Employees Federal Credit UnionCredit union Bluefield, WV68 out of 100, Moderate$15.0M13.1%1.02%vs
United Hospital Center Federal Credit UnionCredit union Bridgeport, WV74 out of 100, Strong$13.2M22.4%1.95%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

Deposit insurance

Is my money safe at Putnam School Employees Federal Credit Union?

Yes. Putnam School Employees Federal Credit Union is a federally insured credit union (NCUA charter #21107). 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 21.00%, well 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

Putnam School Employees Federal Credit Union lists 3 offices in 2 cities. Most locations:

  • Eleanor, WV (1)
  • ELeanor, WV (1)
  • Winfield, WV (1)

All branch addresses and map

Identity & history

Profile

Legal name
Putnam School Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
21107
RSSD ID
625784
Primary regulator
NCUA
Established
1972
Headquarters
Po Box 424, Eleanor, WV 25070
Employees
3

Quick answers

Putnam School Employees Federal Credit Union: common questions

Is Putnam School Employees Federal Credit Union NCUA insured?

Yes. Putnam School Employees Federal Credit Union is a federally insured credit union (NCUA charter #21107). 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 Putnam School Employees Federal Credit Union's TellerScore?

99 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 Putnam School Employees Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Eleanor

InstitutionScoreAssetsCapitalProblem loansCompare
Wv National Guard Federal Credit UnionCredit union Charleston, WV98 out of 100, Very strong$51.6M14.8%0.00%vs
Camc Federal Credit UnionCredit union Charleston, WV98 out of 100, Very strong$80.3M28.3%0.01%vs
The State Credit UnionCredit union Charleston, WV90 out of 100, Very strong$95.3M19.1%0.25%vs
West Virginia Federal Credit UnionCredit union South Charlesto, WV88 out of 100, Very strong$141.6M18.5%0.74%vs
Charleston Federal Credit UnionCredit union Charleston, WV88 out of 100, Very strong$15.5M14.8%0.75%vs
Cha-Tel Federal Credit UnionCredit union Charleston, WV86 out of 100, Very strong$11.5M13.6%0.04%vs