Willow Island Federal Credit Union is a federal credit union headquartered in Saint Marys, West Virginia, in business for about 73 years. At the end of Q2 2026 it reported $12.0M in total assets and $11.0M in member shares and deposits, with 3 offices.
Willow Island Federal Credit Union has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 13% of its 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 66th. Problem-loan coverage contributes the most (85/100, 7.5%); capital cushion contributes the least (29/100, 7.94%).
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 rose 8 points (46 → 54), mostly because the earnings component improved by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 59 |
| Q4 2024 | 47 |
| Q1 2025 | 48 |
| Q2 2025 | 46 |
| Q3 2025 | 38 |
| Q4 2025 | 26 |
| Q1 2026 | 39 |
| Q2 2026 | 54 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 7.74% |
| Q3 2024 | 7.95% |
| Q4 2024 | 7.80% |
| Q1 2025 | 7.56% |
| Q2 2025 | 7.70% |
| Q3 2025 | 7.86% |
| Q4 2025 | 7.89% |
| Q1 2026 | 7.33% |
| Q2 2026 | 7.94% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.70% |
| Q3 2024 | 0.60% |
| Q4 2024 | 1.20% |
| Q1 2025 | 0.63% |
| Q2 2025 | 1.08% |
| Q3 2025 | 1.83% |
| Q4 2025 | 2.82% |
| Q1 2026 | 1.39% |
| Q2 2026 | 0.72% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.36% |
| Q3 2024 | 0.91% |
| Q4 2024 | 0.18% |
| Q1 2025 | -0.60% |
| Q2 2025 | -0.09% |
| Q3 2025 | -0.25% |
| Q4 2025 | -0.51% |
| Q1 2026 | -3.03% |
| Q2 2026 | 0.40% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 54 | $12.0M | 7.94% | 0.72% | 0.40% | 89.7% |
| Q1 2026 | 39 | $12.3M | 7.33% | 1.39% | -3.03% | 84.3% |
| Q4 2025 | 26 | $11.7M | 7.89% | 2.82% | -0.51% | 85.2% |
| Q3 2025 | 38 | $11.7M | 7.86% | 1.83% | -0.25% | 86.6% |
| Q2 2025 | 46 | $12.2M | 7.70% | 1.08% | -0.09% | 87.4% |
| Q1 2025 | 48 | $12.2M | 7.56% | 0.63% | -0.60% | 85.6% |
| Q4 2024 | 47 | $12.0M | 7.80% | 1.20% | 0.18% | 87.3% |
| Q3 2024 | 59 | $11.3M | 7.95% | 0.60% | 0.91% | 94.2% |
| Q2 2024 | 61 | $11.3M | 7.74% | 0.70% | 1.36% | 90.6% |
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 |
|---|---|---|---|---|---|
| Natrium Employees Federal Credit UnionCredit union Proctor, WV | 83 out of 100, Strong | $12.0M | 12.4% | 0.78% | vs |
| Cha-Tel Federal Credit UnionCredit union Charleston, WV | 86 out of 100, Very strong | $11.5M | 13.6% | 0.04% | vs |
| United Hospital Center Federal Credit UnionCredit union Bridgeport, WV | 74 out of 100, Strong | $13.2M | 22.4% | 1.95% | vs |
| Local No. 317 I.A.F.F. Credit UnionCredit union Charleston, WV | 65 out of 100, Moderate | $10.1M | 8.6% | 0.00% | vs |
| Marion County School Employees Federal Credit UnionCredit union Fairmont, WV | 89 out of 100, Very strong | $9.9M | 20.7% | 0.53% | vs |
| Putnam School Employees Federal Credit UnionCredit union Eleanor, WV | 99 out of 100, Very strong | $14.1M | 21.0% | 0.14% | vs |
Deposit insurance
Is my money safe at Willow Island Federal Credit Union?
Yes. Willow Island Federal Credit Union is a federally insured credit union (NCUA charter #8474). 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 3.2% of shares and deposits ($353K) 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 7.94%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Willow Island Federal Credit Union lists 3 offices in 1 city. Most locations:
- Saint Marys, WV (3)
Identity & history
Profile
- Legal name
- Willow Island Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 8474
- RSSD ID
- 228288
- Primary regulator
- NCUA
- Established
- 1953
- Headquarters
- 7910 S Pleasants Highway, Saint Marys, WV 26170
- Employees
- 5
Quick answers
Willow Island Federal Credit Union: common questions
Is Willow Island Federal Credit Union NCUA insured?
Yes. Willow Island Federal Credit Union is a federally insured credit union (NCUA charter #8474). 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 Willow Island Federal Credit Union's TellerScore?
54 out of 100 (Below average), 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 Willow Island Federal Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Saint Marys
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Settlers BankBank Marietta, OH | 94 out of 100, Very strong | $142.4M | 16.2% | 0.18% | vs |
| First Bank of OhioBank Tiffin, OH | 90 out of 100, Very strong | $278.4M | 35.5% | 0.26% | vs |
| The Citizens Bank CompanyBank Beverly, OH | 86 out of 100, Very strong | $334.6M | 13.6% | 0.39% | vs |
| Southeastern Ohio Credit UnionCredit union Cambridge, OH | 78 out of 100, Strong | $65.4M | 12.1% | 1.03% | vs |
| West Virginia Central Federal Credit UnionCredit union Parkersburg, WV | 76 out of 100, Strong | $341.3M | 13.2% | 0.87% | vs |
| First Community BankBank Bluefield, VA | 75 out of 100, Strong | $3.6B | 10.2% | 0.70% | vs |