TellerScore

Wvu Employees Federal Credit Union (NCUA charter #14611) is based in Morgantown, West Virginia. Its Q2 2026 call report shows $67.8M in total assets and $51.6M in member shares and deposits and 1 office.

Wvu Employees Federal Credit Union has a TellerScore of 97 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 5th. Capital cushion contributes the most (100/100, 22.84%); funding & liquidity contributes the least (91/100, 70% loans-to-deposits, 0% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 22.84%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.23%
Earnings100/100
Return on assets (annualized): 2.64%
Funding & liquidity91/100
Loans ÷ shares: 69.7% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.54%

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 (95 → 97), mostly because the loan quality component improved by 7 points.

TellerScore
899397Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202496
Q3 202497
Q4 202497
Q1 202594
Q2 202595
Q3 202594
Q4 202589
Q1 202694
Q2 202697
Net worth ratio
7.00%15.02%23.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.88%
Q3 202420.84%
Q4 202421.20%
Q1 202520.88%
Q2 202521.35%
Q3 202522.88%
Q4 202523.04%
Q1 202622.60%
Q2 202622.84%
Delinquent loans (60+ days)
0.23%0.62%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.42%
Q3 20240.25%
Q4 20240.25%
Q1 20250.54%
Q2 20250.45%
Q3 20250.49%
Q4 20251.01%
Q1 20260.54%
Q2 20260.23%
Return on assets
2.33%2.71%3.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.33%
Q3 20242.50%
Q4 20242.61%
Q1 20252.73%
Q2 20252.82%
Q3 20253.09%
Q4 20252.84%
Q1 20262.81%
Q2 20262.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202697$67.8M22.84%0.23%2.64%69.7%
Q1 202694$66.7M22.60%0.54%2.81%69.0%
Q4 202589$63.3M23.04%1.01%2.84%71.4%
Q3 202594$62.4M22.88%0.49%3.09%72.5%
Q2 202595$64.3M21.35%0.45%2.82%66.4%
Q1 202594$63.5M20.88%0.54%2.73%65.7%
Q4 202497$60.5M21.20%0.25%2.61%65.1%
Q3 202497$59.4M20.84%0.25%2.50%65.3%
Q2 202496$60.2M19.88%0.42%2.33%63.4%

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 ratio22.84%
85th
Problem loans0.23%
72nd
Net charge-offs1.14%
12th
Return on assets2.64%
98th
Loans to deposits69.7%
34th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.5%
74th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
167th Tfr Federal Credit UnionCredit union Martinsburg, WV78 out of 100, Strong$72.5M10.7%0.44%vs
First Priority Federal Credit UnionCredit union Huntington, WV82 out of 100, Strong$74.8M12.5%1.14%vs
Strip Steel Community Federal Credit UnionCredit union Weirton, WV88 out of 100, Very strong$59.9M19.3%0.24%vs
Camc Federal Credit UnionCredit union Charleston, WV98 out of 100, Very strong$80.3M28.3%0.01%vs
Ravenswood Federal Credit UnionCredit union Ravenswood, WV57 out of 100, Moderate$53.6M8.4%0.99%vs
Metro Community Federal Credit UnionCredit union Huntington, WV51 out of 100, Below average$51.7M9.7%2.71%vs

Deposit insurance

Is my money safe at Wvu Employees Federal Credit Union?

Yes. Wvu Employees Federal Credit Union is a federally insured credit union (NCUA charter #14611). 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 22.84%, 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

Wvu Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Wvu Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
14611
RSSD ID
924085
Primary regulator
NCUA
Established
1961
Headquarters
448 Harding Ave, Morgantown, WV 26505
Employees
8

Quick answers

Wvu Employees Federal Credit Union: common questions

Is Wvu Employees Federal Credit Union NCUA insured?

Yes. Wvu Employees Federal Credit Union is a federally insured credit union (NCUA charter #14611). 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 Wvu Employees Federal Credit Union's TellerScore?

97 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 Wvu Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Morgantown

InstitutionScoreAssetsCapitalProblem loansCompare
Fayette Federal Employees Federal Credit UnionCredit union Uniontown, PA91 out of 100, Very strong$19.8M14.3%0.41%vs
Fayette County School Employees Credit UnionCredit union Uniontown, PA90 out of 100, Very strong$22.2M20.0%0.89%vs
Marion County School Employees Federal Credit UnionCredit union Fairmont, WV89 out of 100, Very strong$9.9M20.7%0.53%vs
Citizens Bank of Morgantown, Inc.Bank Morgantown, WV87 out of 100, Very strong$52.6M18.8%0.09%vs
Clear Mountain BankBank Bruceton Mills, WV83 out of 100, Strong$1.0B13.1%0.30%vs
Preston Federal Credit UnionCredit union Kingwood, WV81 out of 100, Strong$31.2M13.6%1.10%vs