TellerScore

Wv National Guard Federal Credit Union (NCUA charter #12938) is based in Charleston, West Virginia. Its Q2 2026 call report shows $51.6M in total assets and $43.8M in member shares and deposits and 1 office.

Wv National Guard Federal Credit Union has a TellerScore of 98 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 4th. Its five components are fairly even, ranging from 93 to 100 out of 100.

TellerScore · Q2 2026

Scorecard

Capital cushion98/100
Net worth ratio: 14.81%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings93/100
Return on assets (annualized): 1.82%
Funding & liquidity100/100
Loans ÷ shares: 57.5% · 12.4% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.13%

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 (90 → 98), mostly because the earnings component improved by 21 points.

TellerScore
839198Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202485
Q4 202483
Q1 202595
Q2 202590
Q3 202592
Q4 202591
Q1 202697
Q2 202698
Net worth ratio
7.00%10.91%14.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.74%
Q3 202413.30%
Q4 202413.23%
Q1 202513.21%
Q2 202513.59%
Q3 202513.98%
Q4 202514.25%
Q1 202614.36%
Q2 202614.81%
Delinquent loans (60+ days)
0.00%0.07%0.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.07%
Q3 20240.02%
Q4 20240.14%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.13%
Q1 20260.11%
Q2 20260.00%
Return on assets
0.73%1.45%2.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.88%
Q3 20240.86%
Q4 20240.73%
Q1 20252.00%
Q2 20251.30%
Q3 20251.35%
Q4 20251.28%
Q1 20262.18%
Q2 20261.82%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202698$51.6M14.81%0.00%1.82%57.5%
Q1 202697$51.9M14.36%0.11%2.18%57.0%
Q4 202591$51.2M14.25%0.13%1.28%60.5%
Q3 202592$51.2M13.98%0.00%1.35%61.5%
Q2 202590$51.3M13.59%0.00%1.30%60.1%
Q1 202595$52.2M13.21%0.00%2.00%56.6%
Q4 202483$51.0M13.23%0.14%0.73%58.8%
Q3 202485$50.4M13.30%0.02%0.86%61.4%
Q2 202484$51.9M12.74%0.07%0.88%58.0%

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 ratio14.81%
53rd
Problem loans0.00%
87th
Net charge-offs0.00%
77th
Return on assets1.82%
92nd
Loans to deposits57.5%
52nd
Uninsured deposits12.4%
5th
Loan-loss reserves0.00%
37th
Texas ratio0.1%
83rd

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Metro Community Federal Credit UnionCredit union Huntington, WV51 out of 100, Below average$51.7M9.7%2.71%vs
Ravenswood Federal Credit UnionCredit union Ravenswood, WV57 out of 100, Moderate$53.6M8.4%0.99%vs
Element Federal Credit UnionCredit union Charleston, WV76 out of 100, Strong$47.3M21.8%1.38%vs
Mountain Heritage Federal Credit UnionCredit union Parkersburg, WV54 out of 100, Below average$47.0M14.5%3.24%vs
Huntingtonized Federal Credit UnionCredit union Huntington, WV70 out of 100, Strong$46.7M16.8%2.16%vs
Kemba Charleston Federal Credit UnionCredit union Dunbar, WV81 out of 100, Strong$44.7M20.6%1.00%vs

Deposit insurance

Is my money safe at Wv National Guard Federal Credit Union?

Yes. Wv National Guard Federal Credit Union is a federally insured credit union (NCUA charter #12938). 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 12.4% of shares and deposits ($5.4M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.81%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Wv National Guard Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Wv National Guard Federal Credit Union
Type
Federal credit union
NCUA charter #
12938
RSSD ID
36380
Primary regulator
NCUA
Established
1959
Headquarters
1512 Coonskin Drive, Charleston, WV 25311
Employees
5

Quick answers

Wv National Guard Federal Credit Union: common questions

Is Wv National Guard Federal Credit Union NCUA insured?

Yes. Wv National Guard Federal Credit Union is a federally insured credit union (NCUA charter #12938). 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 Wv National Guard Federal Credit Union's TellerScore?

98 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 Wv National Guard Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Charleston

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
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
West Virginia Federal Credit UnionCredit union South Charlesto, WV88 out of 100, Very strong$141.6M18.5%0.74%vs
Cha-Tel Federal Credit UnionCredit union Charleston, WV86 out of 100, Very strong$11.5M13.6%0.04%vs