TellerScore

Headquartered in Parkersburg, West Virginia, West Virginia Central Federal Credit Union is a federal credit union with $341.3M in total assets and $295.3M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1969.

Based on its Q2 2026 filing, West Virginia Central Federal Credit Union scores 76/100, which we describe as strong. That is higher than 68% of 1,341 credit unions with $100 million – $1 billion. Among 74 credit unions headquartered in West Virginia, it ranks 34th. Its strongest component is problem-loan coverage (91/100; 4.4%), and its lowest is earnings (62/100; 1.06%).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Net worth ratio: 13.23%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.87%
Earnings62/100
Return on assets (annualized): 1.06%
Funding & liquidity83/100
Loans ÷ shares: 77.6% · 4.8% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.39%

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 8 points (84 → 76), mostly because the earnings component weakened by 19 points.

TellerScore
768185Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202478
Q3 202478
Q4 202478
Q1 202583
Q2 202584
Q3 202585
Q4 202579
Q1 202684
Q2 202676
Net worth ratio
7.00%10.34%13.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202412.38%
Q3 202412.61%
Q4 202413.42%
Q1 202513.15%
Q2 202513.38%
Q3 202513.67%
Q4 202513.43%
Q1 202613.33%
Q2 202613.23%
Delinquent loans (60+ days)
0.43%0.65%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.46%
Q3 20240.44%
Q4 20240.74%
Q1 20250.49%
Q2 20250.43%
Q3 20250.49%
Q4 20250.68%
Q1 20260.76%
Q2 20260.87%
Return on assets
1.06%1.43%1.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.19%
Q3 20241.21%
Q4 20241.21%
Q1 20251.44%
Q2 20251.54%
Q3 20251.57%
Q4 20251.10%
Q1 20261.81%
Q2 20261.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$341.3M13.23%0.87%1.06%77.6%
Q1 202684$336.7M13.33%0.76%1.81%76.1%
Q4 202579$322.8M13.43%0.68%1.10%79.8%
Q3 202585$318.6M13.67%0.49%1.57%80.8%
Q2 202584$315.6M13.38%0.43%1.54%81.0%
Q1 202583$311.9M13.15%0.49%1.44%79.8%
Q4 202478$297.2M13.42%0.74%1.21%84.1%
Q3 202478$310.1M12.61%0.44%1.21%86.2%
Q2 202478$307.9M12.38%0.46%1.19%86.0%

1,341 peers · $100 million – $1 billion

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 ratio13.23%
72nd
Problem loans0.87%
38th
Net charge-offs0.14%
79th
Return on assets1.06%
69th
Loans to deposits77.6%
46th
Uninsured deposits4.8%
62nd
Loan-loss reserves0.00%
50th
Texas ratio4.4%
47th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Pioneer Appalachia Federal Credit UnionCredit union Charleston, WV76 out of 100, Strong$245.2M11.3%0.07%vs
Long Reach Federal Credit UnionCredit union Middlebourne, WV65 out of 100, Moderate$193.2M9.9%1.08%vs
Star USA Federal Credit UnionCredit union Charleston, WV62 out of 100, Moderate$153.0M10.6%0.98%vs
West Virginia Federal Credit UnionCredit union South Charlesto, WV88 out of 100, Very strong$141.6M18.5%0.74%vs
Peoples Federal Credit UnionCredit union Nitro, WV68 out of 100, Moderate$130.6M16.5%2.19%vs
The United Federal Credit UnionCredit union Morgantown, WV57 out of 100, Moderate$109.2M27.6%3.21%vs

Deposit insurance

Is my money safe at West Virginia Central Federal Credit Union?

Yes. West Virginia Central Federal Credit Union is a federally insured credit union (NCUA charter #24888). 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 4.8% of shares and deposits ($14.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.23%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

West Virginia Central Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
West Virginia Central Federal Credit Union
Type
Federal credit union
NCUA charter #
24888
RSSD ID
345699
Primary regulator
NCUA
Established
1969
Headquarters
1306 Murdoch Avenue, Parkersburg, WV 26101
Employees
44

Quick answers

West Virginia Central Federal Credit Union: common questions

Is West Virginia Central Federal Credit Union NCUA insured?

Yes. West Virginia Central Federal Credit Union is a federally insured credit union (NCUA charter #24888). 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 West Virginia Central Federal Credit Union's TellerScore?

76 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 West Virginia Central Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Parkersburg

InstitutionScoreAssetsCapitalProblem loansCompare
The Settlers BankBank Marietta, OH94 out of 100, Very strong$142.4M16.2%0.18%vs
First Bank of OhioBank Tiffin, OH90 out of 100, Very strong$278.4M35.5%0.26%vs
The Citizens Bank CompanyBank Beverly, OH86 out of 100, Very strong$334.6M13.6%0.39%vs
Union Trades Federal Credit UnionCredit union Parkersburg, WV84 out of 100, Strong$34.4M18.4%0.92%vs
Southeastern Ohio Credit UnionCredit union Cambridge, OH78 out of 100, Strong$65.4M12.1%1.03%vs
City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs