TellerScore

Raleigh County Federal Credit Union is a federal credit union headquartered in Beckley, West Virginia, in business for about 74 years. At the end of Q2 2026 it reported $21.6M in total assets and $18.7M in member shares and deposits, with 1 office.

Raleigh County Federal Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 29th. Funding & liquidity contributes the most (100/100, 57% loans-to-deposits, 1% uninsured); earnings contributes the least (44/100, 0.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Net worth ratio: 12.57%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.34%
Earnings44/100
Return on assets (annualized): 0.59%
Funding & liquidity100/100
Loans ÷ shares: 56.8% · 1.3% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.35%

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 (78 → 79).

TellerScore
767982Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202476
Q4 202478
Q1 202580
Q2 202578
Q3 202582
Q4 202579
Q1 202680
Q2 202679
Net worth ratio
7.00%10.13%13.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.00%
Q3 202412.85%
Q4 202412.78%
Q1 202512.61%
Q2 202512.84%
Q3 202513.26%
Q4 202513.11%
Q1 202612.76%
Q2 202612.57%
Delinquent loans (60+ days)
0.04%0.31%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.22%
Q3 20240.11%
Q4 20240.04%
Q1 20250.04%
Q2 20250.47%
Q3 20250.28%
Q4 20250.59%
Q1 20260.27%
Q2 20260.34%
Return on assets
0.39%0.68%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.46%
Q3 20240.45%
Q4 20240.39%
Q1 20250.69%
Q2 20250.82%
Q3 20250.96%
Q4 20250.89%
Q1 20260.62%
Q2 20260.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$21.6M12.57%0.34%0.59%56.8%
Q1 202680$20.8M12.76%0.27%0.62%59.8%
Q4 202579$20.0M13.11%0.59%0.89%65.8%
Q3 202582$19.6M13.26%0.28%0.96%70.2%
Q2 202578$19.8M12.84%0.47%0.82%72.2%
Q1 202580$19.7M12.61%0.04%0.69%77.1%
Q4 202478$19.2M12.78%0.04%0.39%78.8%
Q3 202476$19.1M12.85%0.11%0.45%83.0%
Q2 202476$18.7M13.00%0.22%0.46%86.6%

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).

Capital ratio12.57%
36th
Problem loans0.34%
66th
Net charge-offs0.73%
20th
Return on assets0.59%
47th
Loans to deposits56.8%
53rd
Uninsured deposits1.3%
51st
Loan-loss reserves0.00%
37th
Texas ratio1.3%
60th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Raleigh Co. Educators Federal Credit UnionCredit union Beckley, WV97 out of 100, Very strong$21.3M26.3%0.04%vs
Hancock School Emp. Federal Credit UnionCredit union Weirton, WV76 out of 100, Strong$24.0M11.6%0.41%vs
Eastern Panhandle Federal Credit UnionCredit union Martinsburg, WV83 out of 100, Strong$18.8M12.2%0.16%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 County Federal Credit Union?

Yes. Raleigh County Federal Credit Union is a federally insured credit union (NCUA charter #7790). 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 1.3% of shares and deposits ($244K) 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 12.57%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Raleigh County Federal Credit Union
Type
Federal credit union
NCUA charter #
7790
RSSD ID
146485
Primary regulator
NCUA
Established
1952
Headquarters
200 Veterans Ave, Beckley, WV 25801
Employees
5

Quick answers

Raleigh County Federal Credit Union: common questions

Is Raleigh County Federal Credit Union NCUA insured?

Yes. Raleigh County Federal Credit Union is a federally insured credit union (NCUA charter #7790). 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 County Federal Credit Union's TellerScore?

79 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 Raleigh County Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Beckley

InstitutionScoreAssetsCapitalProblem loansCompare
Raleigh Co. Educators Federal Credit UnionCredit union Beckley, WV97 out of 100, Very strong$21.3M26.3%0.04%vs
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
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