TellerScore

Headquartered in Romney, West Virginia, Romney Federal Credit Union is a federal credit union with $14.8M in total assets and $13.5M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1955.

Romney Federal Credit Union has a TellerScore of 49 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 70th. Funding & liquidity contributes the most (78/100, 83% loans-to-deposits, 0% uninsured); loan quality contributes the least (32/100, 2.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Net worth ratio: 9.23%
Loan quality32/100
Loans 60+ days delinquent ÷ total loans: 2.05%
Earnings52/100
Return on assets (annualized): 0.79%
Funding & liquidity78/100
Loans ÷ shares: 82.6% · 0.0% uninsured
Problem-loan coverage61/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 19.32%

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 fell 11 points (60 → 49), mostly because the earnings component weakened by 29 points.

TellerScore
495866Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202451
Q3 202457
Q4 202453
Q1 202566
Q2 202560
Q3 202564
Q4 202559
Q1 202657
Q2 202649
Net worth ratio
7.00%8.38%9.77%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.52%
Q3 20249.49%
Q4 20249.36%
Q1 20259.68%
Q2 20259.77%
Q3 20259.19%
Q4 20259.15%
Q1 20269.58%
Q2 20269.23%
Delinquent loans (60+ days)
1.00%1.53%2.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.80%
Q3 20241.26%
Q4 20241.36%
Q1 20251.09%
Q2 20251.58%
Q3 20251.00%
Q4 20251.24%
Q1 20261.46%
Q2 20262.05%
Return on assets
0.52%1.09%1.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.84%
Q3 20240.86%
Q4 20240.52%
Q1 20251.65%
Q2 20251.52%
Q3 20251.35%
Q4 20251.09%
Q1 20260.92%
Q2 20260.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202649$14.8M9.23%2.05%0.79%82.6%
Q1 202657$14.0M9.58%1.46%0.92%87.2%
Q4 202559$14.3M9.15%1.24%1.09%84.8%
Q3 202564$14.1M9.19%1.00%1.35%85.9%
Q2 202560$13.7M9.77%1.58%1.52%89.4%
Q1 202566$13.3M9.68%1.09%1.65%90.9%
Q4 202453$13.2M9.36%1.36%0.52%90.7%
Q3 202457$13.2M9.49%1.26%0.86%94.6%
Q2 202451$12.8M9.52%1.80%0.84%95.6%

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 ratio9.23%
10th
Problem loans2.05%
20th
Net charge-offs1.74%
7th
Return on assets0.79%
57th
Loans to deposits82.6%
16th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio19.3%
5th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
National Employees Federal Credit UnionCredit union Bluefield, WV68 out of 100, Moderate$15.0M13.1%1.02%vs
South Charleston Employees Federal Credit UnionCredit union South Charlesto, WV61 out of 100, Moderate$14.2M59.8%3.54%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
Putnam School Employees Federal Credit UnionCredit union Eleanor, WV99 out of 100, Very strong$14.1M21.0%0.14%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 Romney Federal Credit Union?

Yes. Romney Federal Credit Union is a federally insured credit union (NCUA charter #10301). 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 9.23%, 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

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

  • Romney, WV (1)

All branch addresses and map

Identity & history

Profile

Legal name
Romney Federal Credit Union
Type
Federal credit union
NCUA charter #
10301
RSSD ID
171580
Primary regulator
NCUA
Established
1955
Headquarters
62 West Main Street, Romney, WV 26757
Employees
5

Quick answers

Romney Federal Credit Union: common questions

Is Romney Federal Credit Union NCUA insured?

Yes. Romney Federal Credit Union is a federally insured credit union (NCUA charter #10301). 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 Romney Federal Credit Union's TellerScore?

49 out of 100 (Below average), 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 Romney Federal Credit Union have?

1 office as of the latest NCUA data.