TellerScore

West Virginia Federal Credit Union (NCUA charter #17057) is based in South Charlesto, West Virginia. Its Q2 2026 call report shows $141.6M in total assets and $114.2M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, West Virginia Federal Credit Union scores 88/100, which we describe as very strong. That is higher than 92% of 1,341 credit unions with $100 million – $1 billion. Among 74 credit unions headquartered in West Virginia, it ranks 14th. Its strongest component is capital cushion (100/100; 18.52%), and its lowest is loan quality (75/100; 0.74%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.52%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.74%
Earnings76/100
Return on assets (annualized): 1.40%
Funding & liquidity93/100
Loans ÷ shares: 67.3% · 3.3% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.21%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (88 → 88).

TellerScore
828791Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202488
Q3 202491
Q4 202487
Q1 202588
Q2 202588
Q3 202587
Q4 202585
Q1 202682
Q2 202688
Net worth ratio
7.00%12.90%18.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.23%
Q3 202418.62%
Q4 202418.76%
Q1 202518.40%
Q2 202518.63%
Q3 202518.80%
Q4 202518.37%
Q1 202617.83%
Q2 202618.52%
Delinquent loans (60+ days)
0.23%0.58%0.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.50%
Q3 20240.23%
Q4 20240.47%
Q1 20250.34%
Q2 20250.72%
Q3 20250.82%
Q4 20250.93%
Q1 20260.60%
Q2 20260.74%
Return on assets
0.48%1.01%1.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.34%
Q3 20241.45%
Q4 20241.20%
Q1 20251.08%
Q2 20251.52%
Q3 20251.54%
Q4 20251.35%
Q1 20260.48%
Q2 20261.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$141.6M18.52%0.74%1.40%67.3%
Q1 202682$143.0M17.83%0.60%0.48%65.1%
Q4 202585$138.8M18.37%0.93%1.35%68.5%
Q3 202587$132.5M18.80%0.82%1.54%72.9%
Q2 202588$132.2M18.63%0.72%1.52%70.7%
Q1 202588$128.8M18.40%0.34%1.08%72.6%
Q4 202487$124.8M18.76%0.47%1.20%76.3%
Q3 202491$124.7M18.62%0.23%1.45%76.2%
Q2 202488$125.2M18.23%0.50%1.34%73.9%

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 ratio18.52%
96th
Problem loans0.74%
46th
Net charge-offs0.18%
74th
Return on assets1.40%
86th
Loans to deposits67.3%
67th
Uninsured deposits3.3%
79th
Loan-loss reserves0.00%
50th
Texas ratio2.2%
73rd

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples Federal Credit UnionCredit union Nitro, WV68 out of 100, Moderate$130.6M16.5%2.19%vs
Star USA Federal Credit UnionCredit union Charleston, WV62 out of 100, Moderate$153.0M10.6%0.98%vs
The United Federal Credit UnionCredit union Morgantown, WV57 out of 100, Moderate$109.2M27.6%3.21%vs
One Community Federal Credit UnionCredit union Parkersburg, WV63 out of 100, Moderate$100.9M10.9%1.15%vs
Long Reach Federal Credit UnionCredit union Middlebourne, WV65 out of 100, Moderate$193.2M9.9%1.08%vs
Pioneer Appalachia Federal Credit UnionCredit union Charleston, WV76 out of 100, Strong$245.2M11.3%0.07%vs

Deposit insurance

Is my money safe at West Virginia Federal Credit Union?

Yes. West Virginia Federal Credit Union is a federally insured credit union (NCUA charter #17057). 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 3.3% of shares and deposits ($3.7M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 18.52%, 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

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

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, West Virginia Federal Credit Union reported 66 home-loan applications under HMDA (LEI 549300C62MGHXEJVMZ35): 59 originated ($6,895,000 total), 5 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.8%, 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.

Identity & history

Profile

Legal name
West Virginia Federal Credit Union
Type
Federal credit union
NCUA charter #
17057
RSSD ID
70786
Primary regulator
NCUA
Established
1965
Headquarters
318 5th Ave, South Charlesto, WV 25303
Employees
28

Quick answers

West Virginia Federal Credit Union: common questions

Is West Virginia Federal Credit Union NCUA insured?

Yes. West Virginia Federal Credit Union is a federally insured credit union (NCUA charter #17057). 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 Federal Credit Union's TellerScore?

88 out of 100 (Very 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 Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near South Charlesto

InstitutionScoreAssetsCapitalProblem loansCompare
Putnam School Employees Federal Credit UnionCredit union Eleanor, WV99 out of 100, Very strong$14.1M21.0%0.14%vs
Camc Federal Credit UnionCredit union Charleston, WV98 out of 100, Very strong$80.3M28.3%0.01%vs
Wv National Guard Federal Credit UnionCredit union Charleston, WV98 out of 100, Very strong$51.6M14.8%0.00%vs
The State Credit UnionCredit union Charleston, WV90 out of 100, Very strong$95.3M19.1%0.25%vs
Charleston Federal Credit UnionCredit union Charleston, WV88 out of 100, Very strong$15.5M14.8%0.75%vs
Cha-Tel Federal Credit UnionCredit union Charleston, WV86 out of 100, Very strong$11.5M13.6%0.04%vs