U S Employees Federal Credit Union (NCUA charter #6672) is based in Fairmont, West Virginia. Its Q2 2026 call report shows $526K in total assets and $484K in member shares and deposits and 2 offices.
U S Employees Federal Credit Union has a TellerScore of 32 out of 100 (low) based on Q2 2026 data — higher than only 1% of its 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 74th. Funding & liquidity contributes the most (100/100, 24% loans-to-deposits, 0% uninsured); earnings contributes the least (0/100, -4.00%).
TellerScore · Q2 2026
Scorecard
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 5 points (37 → 32), mostly because the capital cushion component weakened by 24 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 31 |
| Q3 2024 | 32 |
| Q4 2024 | 31 |
| Q1 2025 | 31 |
| Q2 2025 | 37 |
| Q3 2025 | 35 |
| Q4 2025 | 35 |
| Q1 2026 | 35 |
| Q2 2026 | 32 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.27% |
| Q3 2024 | 10.66% |
| Q4 2024 | 10.25% |
| Q1 2025 | 10.33% |
| Q2 2025 | 10.08% |
| Q3 2025 | 9.34% |
| Q4 2025 | 8.93% |
| Q1 2026 | 8.80% |
| Q2 2026 | 7.73% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 23.63% |
| Q3 2024 | 26.65% |
| Q4 2024 | 31.03% |
| Q1 2025 | 24.35% |
| Q2 2025 | 5.91% |
| Q3 2025 | 5.41% |
| Q4 2025 | 4.26% |
| Q1 2026 | 3.50% |
| Q2 2026 | 2.94% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -3.34% |
| Q3 2024 | -2.82% |
| Q4 2024 | -3.04% |
| Q1 2025 | -2.17% |
| Q2 2025 | -1.83% |
| Q3 2025 | -2.22% |
| Q4 2025 | -2.32% |
| Q1 2026 | -2.07% |
| Q2 2026 | -4.00% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 32 | $526K | 7.73% | 2.94% | -4.00% | 23.6% |
| Q1 2026 | 35 | $511K | 8.80% | 3.50% | -2.07% | 25.9% |
| Q4 2025 | 35 | $533K | 8.93% | 4.26% | -2.32% | 32.4% |
| Q3 2025 | 35 | $545K | 9.34% | 5.41% | -2.22% | 35.5% |
| Q2 2025 | 37 | $545K | 10.08% | 5.91% | -1.83% | 38.4% |
| Q1 2025 | 31 | $552K | 10.33% | 24.35% | -2.17% | 47.5% |
| Q4 2024 | 31 | $586K | 10.25% | 31.03% | -3.04% | 43.3% |
| Q3 2024 | 32 | $595K | 10.66% | 26.65% | -2.82% | 56.0% |
| Q2 2024 | 31 | $641K | 10.27% | 23.63% | -3.34% | 55.9% |
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).
Similar-size credit unions in West Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Eagle Can Employees Federal Credit UnionCredit union Wellsburg, WV | 80 out of 100, Strong | $455K | 32.2% | 1.18% | vs |
| W. Virginia State Convention Credit UnionCredit union Hilltop, WV | 58 out of 100, Moderate | $382K | 9.9% | 3.99% | vs |
| McDowell County Federal Credit UnionCredit union Welch, WV | 88 out of 100, Very strong | $68K | 23.6% | 0.00% | vs |
| Logan County School Employees Federal Credit UnionCredit union Logan, WV | 66 out of 100, Moderate | $1.3M | 19.3% | 3.93% | vs |
| City of Fairmont Federal Credit UnionCredit union Fairmont, WV | 48 out of 100, Below average | $1.4M | 10.9% | 9.25% | vs |
| Teamsters Local 697 Federal Credit UnionCredit union Wheeling, WV | 45 out of 100, Below average | $2.9M | 11.7% | 2.83% | vs |
Deposit insurance
Is my money safe at U S Employees Federal Credit Union?
Yes. U S Employees Federal Credit Union is a federally insured credit union (NCUA charter #6672). 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 7.73%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
U S Employees Federal Credit Union lists 2 offices in 1 city. Most locations:
- Fairmont, WV (2)
Identity & history
Profile
- Legal name
- U S Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 6672
- RSSD ID
- 748487
- Primary regulator
- NCUA
- Established
- 1950
- Headquarters
- P O Box 885, Fairmont, WV 26555
- Employees
- 2
Quick answers
U S Employees Federal Credit Union: common questions
Is U S Employees Federal Credit Union NCUA insured?
Yes. U S Employees Federal Credit Union is a federally insured credit union (NCUA charter #6672). 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 U S Employees Federal Credit Union's TellerScore?
32 out of 100 (Low), 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 U S Employees Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Fairmont
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Wvu Employees Federal Credit UnionCredit union Morgantown, WV | 97 out of 100, Very strong | $67.8M | 22.8% | 0.23% | vs |
| Harrison County Federal Credit UnionCredit union Nutter Fort, WV | 91 out of 100, Very strong | $15.6M | 18.4% | 0.14% | vs |
| Marion County School Employees Federal Credit UnionCredit union Fairmont, WV | 89 out of 100, Very strong | $9.9M | 20.7% | 0.53% | vs |
| Hope Federal Credit UnionCredit union Bridgeport, WV | 89 out of 100, Very strong | $43.3M | 19.9% | 0.38% | vs |
| Citizens Bank of Morgantown, Inc.Bank Morgantown, WV | 87 out of 100, Very strong | $52.6M | 18.8% | 0.09% | vs |
| Clear Mountain BankBank Bruceton Mills, WV | 83 out of 100, Strong | $1.0B | 13.1% | 0.30% | vs |