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.

From Q2 2025 to Q2 2026, the score fell 4 points (94 → 90), mostly because the earnings component weakened by 17 points.

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in West Virginia

Yes. The State Credit Union is a federally insured credit union (NCUA charter #67222). 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 1.9% of shares and deposits ($1.4M) 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 19.12%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

The State Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

• Charleston, WV (1)
• Frisco, TX (1)

All branch addresses and map

In 2025, The State Credit Union reported 42 home-loan applications under HMDA (LEI 549300YEIILDTG022408): 42 originated ($4,400,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

The State Credit Union

Type

Federally insured state-chartered credit union

NCUA charter #

67222

RSSD ID

1019568

Primary regulator

State + NCUA

Established

1988

Headquarters

2200 Washington Street East, P.O. B, Charleston, WV 25305

Employees

15