TellerScore

Headquartered in Beckley, West Virginia, Raleigh Co. Educators Federal Credit Union is a federal credit union with $21.3M in total assets and $15.5M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1980.

Based on its Q2 2026 filing, Raleigh Co. Educators Federal Credit Union scores 97/100, which we describe as very strong. That is higher than 98% of 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 6th. Its strongest component is capital cushion (100/100; 26.34%), and its lowest is earnings (86/100; 1.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 26.34%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.04%
Earnings86/100
Return on assets (annualized): 1.64%
Funding & liquidity100/100
Loans ÷ shares: 60.4% · 2.5% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.07%

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 26 points (71 → 97), mostly because the loan quality component improved by 71 points.

TellerScore
718497Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202485
Q4 202485
Q1 202584
Q2 202571
Q3 202580
Q4 202587
Q1 202695
Q2 202697
Net worth ratio
7.00%16.67%26.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202423.89%
Q3 202424.53%
Q4 202424.61%
Q1 202524.08%
Q2 202524.18%
Q3 202525.07%
Q4 202525.45%
Q1 202625.51%
Q2 202626.34%
Delinquent loans (60+ days)
0.02%1.10%2.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.54%
Q3 20240.66%
Q4 20240.62%
Q1 20250.54%
Q2 20252.17%
Q3 20251.41%
Q4 20250.62%
Q1 20260.02%
Q2 20260.04%
Return on assets
0.52%1.08%1.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.73%
Q3 20240.83%
Q4 20240.76%
Q1 20250.52%
Q2 20250.71%
Q3 20250.97%
Q4 20251.04%
Q1 20261.44%
Q2 20261.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202697$21.3M26.34%0.04%1.64%60.4%
Q1 202695$21.6M25.51%0.02%1.44%56.1%
Q4 202587$21.3M25.45%0.62%1.04%55.1%
Q3 202580$21.4M25.07%1.41%0.97%54.4%
Q2 202571$21.9M24.18%2.17%0.71%50.9%
Q1 202584$21.8M24.08%0.54%0.52%50.7%
Q4 202485$21.2M24.61%0.62%0.76%54.7%
Q3 202485$21.1M24.53%0.66%0.83%55.6%
Q2 202485$21.5M23.89%0.54%0.73%54.3%

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 ratio26.34%
91st
Problem loans0.04%
84th
Net charge-offs0.00%
77th
Return on assets1.64%
88th
Loans to deposits60.4%
48th
Uninsured deposits2.5%
40th
Loan-loss reserves0.00%
37th
Texas ratio0.1%
85th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Raleigh County Federal Credit UnionCredit union Beckley, WV79 out of 100, Strong$21.6M12.6%0.34%vs
Eastern Panhandle Federal Credit UnionCredit union Martinsburg, WV83 out of 100, Strong$18.8M12.2%0.16%vs
Hancock School Emp. Federal Credit UnionCredit union Weirton, WV76 out of 100, Strong$24.0M11.6%0.41%vs
Martinsburg V.A. Center Federal Credit UnionCredit union Kearneysville, WV92 out of 100, Very strong$17.1M13.9%0.32%vs
Marshall County Federal Credit UnionCredit union Moundsville, WV99 out of 100, Very strong$26.8M15.1%0.12%vs
Harrison County Federal Credit UnionCredit union Nutter Fort, WV91 out of 100, Very strong$15.6M18.4%0.14%vs

Deposit insurance

Is my money safe at Raleigh Co. Educators Federal Credit Union?

Yes. Raleigh Co. Educators Federal Credit Union is a federally insured credit union (NCUA charter #23722). 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 2.5% of shares and deposits ($396K) 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 26.34%, 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

Raleigh Co. Educators Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Raleigh Co. Educators Federal Credit Union
Type
Federal credit union
NCUA charter #
23722
RSSD ID
1017395
Primary regulator
NCUA
Established
1980
Headquarters
105 Adair St, Beckley, WV 25801
Employees
5

Quick answers

Raleigh Co. Educators Federal Credit Union: common questions

Is Raleigh Co. Educators Federal Credit Union NCUA insured?

Yes. Raleigh Co. Educators Federal Credit Union is a federally insured credit union (NCUA charter #23722). 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 Raleigh Co. Educators Federal Credit Union's TellerScore?

97 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 Raleigh Co. Educators Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Beckley

InstitutionScoreAssetsCapitalProblem loansCompare
Fayette Federal Credit UnionCredit union Mount Hope, WV89 out of 100, Very strong$8.5M24.0%0.00%vs
Celco Community Federal Credit UnionCredit union Narrows, VA85 out of 100, Very strong$143.9M20.9%1.33%vs
Raleigh County Federal Credit UnionCredit union Beckley, WV79 out of 100, Strong$21.6M12.6%0.34%vs
Pioneer Community Bank, Inc.Bank Iaeger, WV79 out of 100, Strong$191.1M13.6%0.29%vs
City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs
First Community BankBank Bluefield, VA75 out of 100, Strong$3.6B10.2%0.70%vs