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West Virginia Credit Union Performance
How the 74 credit unions based in West Virginia are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
West Virginia's 74 credit unions serve 376,054 members and hold $5.25B in combined assets. The median West Virginia credit union earned a 0.81% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among West Virginia credit unions was -0.69%, compared with -0.55% nationally. Median one-year asset growth was 2.47%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
West Virginia at a glance
West Virginia vs. the United States
System totals are the sum of every credit union based in West Virginia. The share column is West Virginia's portion of the national figure.
| Measure | West Virginia | United States | West Virginia share |
|---|---|---|---|
| Credit unions | 74 | 4,335 | 1.7% |
| Members | 376,054 | 147,031,529 | 0.3% |
| Residents (population) | 1,769,979 | 340,110,988 | 0.5% |
| Total assets | $5.25B | $2,507.50B | 0.2% |
| Total loans | $2.79B | $1,744.86B | 0.2% |
| Total shares & deposits | $4.50B | $2,143.21B | 0.2% |
| Total net worth | $733.8M | $282.23B | 0.3% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. West Virginia credit unions report about 21 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large West Virginia credit unions serve members in other states, so it overstates true in-state penetration.)
The median West Virginia credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median West Virginia CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.81% | 0.66% |
| Net worth ratio | 13.52% | 12.44% |
| Loan-to-share ratio | 59.69% | 67.86% |
| Delinquency ratio | 0.62% | 0.63% |
| Net charge-off ratio | 0.15% | 0.33% |
| Cost of funds | 0.80% | 1.05% |
| Member growth (1 yr) | -0.69% | -0.55% |
| Asset growth (1 yr) | 2.47% | 2.78% |
| Loan growth (1 yr) | -3.74% | 0.63% |
| Share growth (1 yr) | 2.15% | 2.36% |
| Net worth growth (1 yr) | 5.71% | 5.57% |
Trends over time
The median West Virginia credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.87% · 0.72%
— West Virginia ‑‑ U.S.
Net worth ratio 13.61% · 12.46%
— West Virginia ‑‑ U.S.
Loan-to-share ratio 61.98% · 69.70%
— West Virginia ‑‑ U.S.
Delinquency ratio 0.81% · 0.72%
— West Virginia ‑‑ U.S.
Asset growth (1 yr) 2.34% · 3.26%
— West Virginia ‑‑ U.S.
Member growth (1 yr) -1.33% · -0.52%
— West Virginia ‑‑ U.S.
West Virginia leaderboards
Largest by assets
- 1 Bayer Employees Credit Union $801.1M
- 2 First Choice America Community Credit Union $704.4M
- 3 Fairmont Credit Union $602.5M
- 4 West Virginia Central Credit Union $336.7M
- 5 Pioneer Federal Credit Union $245.5M
- 6 Long Reach Employees Credit Union $189.2M
- 7 Star USA Credit Union $158.0M
- 8 West Virginia Credit Union $143.0M
- 9 People's Credit Union $131.3M
- 10 The United Credit Union $107.6M
Highest return on assets
- 1 Wvu Employees Credit Union 2.88%
- 2 Wv Air National Guard Credit Union 2.17%
- 3 West Virginia Central Credit Union 1.88%
- 4 Camcare Credit Union 1.79%
- 5 First Choice America Community Credit Union 1.64%
- 6 167th TFR Credit Union 1.41%
- 7 Element Credit Union 1.25%
- 8 Long Reach Employees Credit Union 1.21%
- 9 West Virginia Public Employees Credit Union 1.07%
- 10 Star USA Credit Union 0.88%
Fastest-growing (organic)
- 1 Long Reach Employees Credit Union 12.90%
- 2 Ravenswood Credit Union 11.12%
- 3 West Virginia Credit Union 11.06%
- 4 Pioneer Federal Credit Union 8.65%
- 5 West Virginia Central Credit Union 7.93%
- 6 City of Huntington Credit Union 7.71%
- 7 Fairmont Credit Union 7.67%
- 8 Strip Steel Employees Credit Union 6.61%
- 9 People's Credit Union 6.39%
- 10 West Virginia Public Employees Credit Union 6.19%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in West Virginia that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.