TellerScore

Headquartered in Bridgeport, West Virginia, United Hospital Center Federal Credit Union is a federal credit union with $13.2M in total assets and $10.3M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1958.

United Hospital Center Federal Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than only 49% of its 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 39th. Capital cushion contributes the most (100/100, 22.36%); loan quality contributes the least (35/100, 1.95%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 22.36%
Loan quality35/100
Loans 60+ days delinquent ÷ total loans: 1.95%
Earnings61/100
Return on assets (annualized): 1.02%
Funding & liquidity100/100
Loans ÷ shares: 59.2% · 3.1% uninsured
Problem-loan coverage79/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.35%

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

From Q2 2025 to Q2 2026, the score fell 10 points (84 → 74), mostly because the earnings component weakened by 39 points.

TellerScore
597284Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202480
Q4 202479
Q1 202582
Q2 202584
Q3 202582
Q4 202576
Q1 202659
Q2 202674
Net worth ratio
7.00%15.12%23.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.65%
Q3 202419.97%
Q4 202420.92%
Q1 202521.05%
Q2 202521.44%
Q3 202522.63%
Q4 202522.97%
Q1 202623.24%
Q2 202622.36%
Delinquent loans (60+ days)
1.56%6.76%11.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.82%
Q3 20241.58%
Q4 20241.85%
Q1 20251.72%
Q2 20251.56%
Q3 20251.74%
Q4 20252.43%
Q1 202611.96%
Q2 20261.95%
Return on assets
0.87%1.71%2.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.74%
Q3 20241.67%
Q4 20241.86%
Q1 20252.13%
Q2 20252.51%
Q3 20252.55%
Q4 20252.38%
Q1 20260.87%
Q2 20261.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$13.2M22.36%1.95%1.02%59.2%
Q1 202659$12.5M23.24%11.96%0.87%71.8%
Q4 202576$12.6M22.97%2.43%2.38%76.0%
Q3 202582$12.5M22.63%1.74%2.55%79.4%
Q2 202584$12.8M21.44%1.56%2.51%76.5%
Q1 202582$12.6M21.05%1.72%2.13%78.2%
Q4 202479$12.4M20.92%1.85%1.86%80.3%
Q3 202480$12.6M19.97%1.58%1.67%82.4%
Q2 202479$13.3M18.65%1.82%1.74%75.2%

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 ratio22.36%
84th
Problem loans1.95%
22nd
Net charge-offs8.55%
1st
Return on assets1.02%
68th
Loans to deposits59.2%
50th
Uninsured deposits3.1%
36th
Loan-loss reserves0.00%
37th
Texas ratio10.3%
13th

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
South Charleston Employees Federal Credit UnionCredit union South Charlesto, WV61 out of 100, Moderate$14.2M59.8%3.54%vs
Natrium Employees Federal Credit UnionCredit union Proctor, WV83 out of 100, Strong$12.0M12.4%0.78%vs
Willow Island Federal Credit UnionCredit union Saint Marys, WV54 out of 100, Below average$12.0M7.9%0.72%vs
Romney Federal Credit UnionCredit union Romney, WV49 out of 100, Below average$14.8M9.2%2.05%vs
Cha-Tel Federal Credit UnionCredit union Charleston, WV86 out of 100, Very strong$11.5M13.6%0.04%vs

Deposit insurance

Is my money safe at United Hospital Center Federal Credit Union?

Yes. United Hospital Center Federal Credit Union is a federally insured credit union (NCUA charter #12673). 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 3.1% of shares and deposits ($314K) 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 22.36%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

United Hospital Center Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
United Hospital Center Federal Credit Union
Type
Federal credit union
NCUA charter #
12673
RSSD ID
385181
Primary regulator
NCUA
Established
1958
Headquarters
327 Medical Park Dr, Room 301, Bridgeport, WV 26330
Employees
3

Quick answers

United Hospital Center Federal Credit Union: common questions

Is United Hospital Center Federal Credit Union NCUA insured?

Yes. United Hospital Center Federal Credit Union is a federally insured credit union (NCUA charter #12673). 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 United Hospital Center Federal Credit Union's TellerScore?

74 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 United Hospital Center Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Bridgeport

InstitutionScoreAssetsCapitalProblem loansCompare
Harrison County Federal Credit UnionCredit union Nutter Fort, WV91 out of 100, Very strong$15.6M18.4%0.14%vs
Hope Federal Credit UnionCredit union Bridgeport, WV89 out of 100, Very strong$43.3M19.9%0.38%vs
Marion County School Employees Federal Credit UnionCredit union Fairmont, WV89 out of 100, Very strong$9.9M20.7%0.53%vs
Clear Mountain BankBank Bruceton Mills, WV83 out of 100, Strong$1.0B13.1%0.30%vs
City of Clarksburg Federal Credit UnionCredit union Clarksburg, WV83 out of 100, Strong$8.2M14.2%0.02%vs
Chessie Federal Credit UnionCredit union Cumberland, MD83 out of 100, Strong$434.4M13.8%0.82%vs