TellerScore

Headquartered in Hilltop, West Virginia, W. Virginia State Convention Credit Union is a federally insured state-chartered credit union with $382K in total assets and $343K in member shares and deposits as of Q2 2026. Its charter dates back to 1984.

Based on its Q2 2026 filing, W. Virginia State Convention Credit Union scores 58/100, which we describe as moderate. That is higher than only 19% of 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 60th. Its strongest component is earnings (100/100; 3.27%), and its lowest is loan quality (0/100; 3.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.89%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.99%
Earnings100/100
Return on assets (annualized): 3.27%
Funding & liquidity100/100
Loans ÷ shares: 26.1% · 0.0% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.58%

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 rose 2 points (56 → 58), mostly because the capital cushion component improved by 6 points.

TellerScore
566880Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202477
Q4 202471
Q1 202560
Q2 202556
Q3 202563
Q4 202574
Q1 202679
Q2 202658
Net worth ratio
7.00%8.45%9.89%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.22%
Q3 20247.98%
Q4 20247.40%
Q1 20258.04%
Q2 20259.33%
Q3 20258.92%
Q4 20257.73%
Q1 20268.92%
Q2 20269.89%
Delinquent loans (60+ days)
0.00%3.26%6.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.22%
Q4 20240.00%
Q1 20252.12%
Q2 20256.53%
Q3 20251.92%
Q4 20250.00%
Q1 20260.32%
Q2 20263.99%
Return on assets
1.22%2.25%3.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.56%
Q3 20242.11%
Q4 20241.22%
Q1 20251.89%
Q2 20252.38%
Q3 20251.76%
Q4 20251.52%
Q1 20262.60%
Q2 20263.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$382K9.89%3.99%3.27%26.1%
Q1 202679$378K8.92%0.32%2.60%23.0%
Q4 202574$407K7.73%0.00%1.52%17.0%
Q3 202563$411K8.92%1.92%1.76%18.5%
Q2 202556$384K9.33%6.53%2.38%18.2%
Q1 202560$416K8.04%2.12%1.89%14.3%
Q4 202471$425K7.40%0.00%1.22%16.2%
Q3 202477$411K7.98%0.22%2.11%16.3%
Q2 202480$379K8.22%0.00%2.56%19.1%

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 ratio9.89%
16th
Problem loans3.99%
8th
Net charge-offs0.00%
77th
Return on assets3.27%
99th
Loans to deposits26.1%
92nd
Uninsured deposits0.0%
81st
Loan-loss reserves4.40%
95th
Texas ratio8.6%
16th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Eagle Can Employees Federal Credit UnionCredit union Wellsburg, WV80 out of 100, Strong$455K32.2%1.18%vs
U S Employees Federal Credit UnionCredit union Fairmont, WV32 out of 100, Low$526K7.7%2.94%vs
McDowell County Federal Credit UnionCredit union Welch, WV88 out of 100, Very strong$68K23.6%0.00%vs
Logan County School Employees Federal Credit UnionCredit union Logan, WV66 out of 100, Moderate$1.3M19.3%3.93%vs
City of Fairmont Federal Credit UnionCredit union Fairmont, WV48 out of 100, Below average$1.4M10.9%9.25%vs
Teamsters Local 697 Federal Credit UnionCredit union Wheeling, WV45 out of 100, Below average$2.9M11.7%2.83%vs

Deposit insurance

Is my money safe at W. Virginia State Convention Credit Union?

Yes. W. Virginia State Convention Credit Union is a federally insured credit union (NCUA charter #68112). 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 9.89%, 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
W. Virginia State Convention Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68112
RSSD ID
135890
Primary regulator
State + NCUA
Established
1984
Headquarters
PO Box 283, Hilltop, WV 25855

Quick answers

W. Virginia State Convention Credit Union: common questions

Is W. Virginia State Convention Credit Union NCUA insured?

Yes. W. Virginia State Convention Credit Union is a federally insured credit union (NCUA charter #68112). 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 W. Virginia State Convention Credit Union's TellerScore?

58 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.