West Virginia Central Federal Credit Union
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Data as of · sourced from NCUA 5300 call reports. How we update
West Virginia Central Federal Credit Union is a federally insured credit union headquartered in Parkersburg, WV, established in 1979. As of June 30, 2026, it served 24,206 members and reported total assets of $341.3M.
It ranks 4 of 74 credit unions in West Virginia by total assets. Total assets grew 8.2% from $315.6M on June 30, 2025. It has 879 more members than on June 30, 2025 (+3.8%). Its net worth ratio was down 0.15 percentage points from 13.38% on June 30, 2025.
Credit unions similar in size in West Virginia
Frequently asked about West Virginia Central Federal Credit Union
How big is West Virginia Central Federal Credit Union?
West Virginia Central Federal Credit Union reported approximately $341.3M in total assets and 24,206 members as of Q2 2026.
Is West Virginia Central Federal Credit Union well capitalized?
Its net worth ratio was 13.23%. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
Credit Union Profile
- Headquarters
- Parkersburg, WV 26101
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1979
- NCUA Charter #
- 24888
- RSSD ID
- 345699
- Members
- 24,206
- Potential members
- 196,000
Size & Membership
Profitability
Capital & Asset Quality
Net worth category is computed by BankRegReports from the net worth ratio, using NCUA's 7, 6, 4 and 2 percent thresholds. It is not NCUA's determination, which can differ.
Peer comparison: credit unions of similar size
West Virginia Central Federal Credit Union ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 4. Rank is the estimated share of peers this credit union outperforms; the tag compares it with the median peer. Percentiles are interpolated from the peer group's 10th, 25th, 50th, 75th and 90th percentile values.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 13.23% | 11.43% | 71st above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.33% | 0.81% | 19th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | 2.49% | 7.02% | 15th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.10% | 3.70% | 17th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 87.56% | 76.55% | 16th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.49% | 1.24% | 31st below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.87% | 0.68% | 40th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.58% | 4.92% | 28th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 77.57% | 75.66% | 54th position only |
Quarterly trends
Last 6 quarters from this credit union's own NCUA 5300 call reports. Balances are as of each quarter end; ratios are annualized.
Balances at each quarter end. Shares are the credit-union term for member deposits.
Balances at each quarter end. Net worth is the credit-union equivalent of equity capital.
Net worth over total assets. NCUA calls a credit union well capitalized at 7% and undercapitalized below 6%.
Loans over shares and deposits: how much of member money is lent out rather than invested or held in cash.
Loans 60 or more days past due as a share of total loans.
Annualized, so each point is a rate rather than a running total.
Annualized. Interest income less interest expense, over average earning assets.
Reported member count at each quarter end.
Quarterly trend: last 6 quarters
Quarter-over-quarter movement in the four ratios NCUA watches most, from West Virginia Central Federal Credit Union's own NCUA 5300 call report filings.
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.23% | 0.33% | 0.87% | 77.57% |
| March 31, 2026 | 13.33% | 1.81% | 0.76% | 76.06% |
| December 31, 2025 | 13.43% | -0.24% | 0.68% | 79.76% |
| September 30, 2025 | 13.67% | 1.66% | 0.49% | 80.83% |
| June 30, 2025 | 13.38% | 1.65% | 0.43% | 80.98% |
| March 31, 2025 | 13.15% | 1.44% | 0.49% | 79.75% |
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Source: NCUA 5300 Call Report, standardized by BankRegReports. Credit unions are insured by the National Credit Union Share Insurance Fund (NCUSIF), not the FDIC. See how often this data updates or learn more about our data.