TellerScore

South Charleston Employees Federal Credit Union (NCUA charter #16989) is based in South Charlesto, West Virginia. Its Q2 2026 call report shows $14.2M in total assets and $5.7M in member shares and deposits.

South Charleston Employees Federal Credit Union has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 23% of its 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 58th. Capital cushion contributes the most (100/100, 59.78%); loan quality contributes the least (0/100, 3.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 59.78%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.54%
Earnings50/100
Return on assets (annualized): 0.74%
Funding & liquidity79/100
Loans ÷ shares: 81.3% · 1.7% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.93%

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 (62 → 61).

TellerScore
606570Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202466
Q4 202460
Q1 202567
Q2 202562
Q3 202563
Q4 202563
Q1 202670
Q2 202661
Net worth ratio
7.00%33.39%59.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202455.42%
Q3 202456.17%
Q4 202457.12%
Q1 202556.77%
Q2 202556.81%
Q3 202556.94%
Q4 202557.59%
Q1 202658.91%
Q2 202659.78%
Delinquent loans (60+ days)
2.01%3.41%4.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.99%
Q3 20242.48%
Q4 20243.30%
Q1 20252.50%
Q2 20254.81%
Q3 20254.56%
Q4 20254.01%
Q1 20262.01%
Q2 20263.54%
Return on assets
0.50%0.65%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.61%
Q3 20240.62%
Q4 20240.50%
Q1 20250.77%
Q2 20250.73%
Q3 20250.81%
Q4 20250.79%
Q1 20260.69%
Q2 20260.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$14.2M59.78%3.54%0.74%81.3%
Q1 202670$14.4M58.91%2.01%0.69%80.6%
Q4 202563$14.7M57.59%4.01%0.79%76.5%
Q3 202563$14.8M56.94%4.56%0.81%75.3%
Q2 202562$14.8M56.81%4.81%0.73%74.8%
Q1 202567$14.7M56.77%2.50%0.77%76.7%
Q4 202460$14.6M57.12%3.30%0.50%77.7%
Q3 202466$14.8M56.17%2.48%0.62%75.4%
Q2 202462$15.0M55.42%2.99%0.61%70.1%

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 ratio59.78%
99th
Problem loans3.54%
10th
Net charge-offs0.63%
22nd
Return on assets0.74%
55th
Loans to deposits81.3%
18th
Uninsured deposits1.7%
47th
Loan-loss reserves0.00%
37th
Texas ratio1.9%
53rd

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Putnam School Employees Federal Credit UnionCredit union Eleanor, WV99 out of 100, Very strong$14.1M21.0%0.14%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 South Charleston Employees Federal Credit Union?

Yes. South Charleston Employees Federal Credit Union is a federally insured credit union (NCUA charter #16989). 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 1.7% of shares and deposits ($95K) 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 59.78%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
South Charleston Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
16989
RSSD ID
984481
Primary regulator
NCUA
Established
1965
Headquarters
515 3rd Ave Ste 200, South Charlesto, WV 25303
Employees
3

Quick answers

South Charleston Employees Federal Credit Union: common questions

Is South Charleston Employees Federal Credit Union NCUA insured?

Yes. South Charleston Employees Federal Credit Union is a federally insured credit union (NCUA charter #16989). 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 South Charleston Employees Federal Credit Union's TellerScore?

61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.