# CHARLESTON
CHARLESTON, WV · NCUA charter 12922 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/charleston-12922

Who the members are: federal charter, multiple common bond, organized 1959, low-income designated. 1,259 members of 1,500 potential (83.9% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $15.3M |
| Members | 1,259 (1.5% YoY) |
| Full-time staff | 2 |
| Net worth | $2.2M |
| Net worth ratio | 14.6% (p48 of band) |
| ROA (annualized) | 1.52% (p85 of band) |
| Total delinquency | 0.29% (p36 of band) |
| Net charge-offs (annualized) | 0.16% (p62 of band) |
| Loans / shares | 73% (p71 of band) |
| Cash / assets | 37.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.61% (p38 of band) |
| Operating expense / assets | 2.06% (p12 of band) |
| Vehicles % of loans | 76% (p75 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.29% (p43 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 21% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 35% |
| Average share balance | $6,432 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $14,949 |
| Loans granted, annualized | $3.8M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 3 | charge-offs p90 |  |
| 2016-09 | 3 | repo signal | charge-offs p90 |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 | charge-offs p90 | repo signal |
| 2017-06 | 4 | repo signal |  |
| 2017-09 | 3 |  | charge-offs p90 |
| 2017-12 | 2 |  | repo signal |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | charge-offs p90 |  |
| 2020-06 | 3 | net worth falling | charge-offs p90 |
| 2020-09 | 4 | margin squeeze |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | net worth falling |
| 2021-12 | 2 |  | margin squeeze |
| 2022-03 | 2 | charge-offs p90 | delinquency 2x band |
| 2022-06 | 3 | delinquency 2x band |  |
| 2022-09 | 2 |  | delinquency 2x band |
| 2022-12 | 3 | delinquency 2x band |  |
| 2023-03 | 1 |  | charge-offs p90, delinquency 2x band |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | delinquency rising, assets shrinking |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 4 | delinquency 2x band, delinquency rising |  |
| 2024-06 | 1 |  | assets shrinking, delinquency 2x band, delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 3 | delinquency rising, members leaving |  |
| 2025-03 | 3 | net worth falling | delinquency rising |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 3 | delinquency rising |  |
| 2025-12 | 1 |  | members leaving, delinquency rising |
| 2026-03 | 2 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-03 [REV Federal Credit Union arrives in West Virginia with acquisition of First Neighborhood Bank - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPRV8yLTVGYVVOTWtaSTY4ZEM0NDBVWTQ1LVY0TTJlQWVxMGRoTjlwOTZjem5fNkNpeHExR0ZWbzJFeE5ZWEJKTUUtTS1UcTMtY1hSZFJ1emxrODhQMnBIMTNseUVEbzM1QTlKTlhPV2pYcnpOVVZ5UlpXVHJGeDdmaDVWVE9taG1ZQW4teHpVQVBZWjNzeDlrWGZmY0RuY2ZfME1QWWlWRl9kY1BsaHZOOHRUbXZpQTVjQTh3TmJ3eV9lUTJfckp4T0M0UTNSRE1zOTJPRHdZck1wWldCTGdEOXl3?oc=5) · The Parkersburg News and Sentinel
- 2024-09-05 [REV Credit Union to buy West Virginia bank - Banking Dive](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQWEN4LUg5clpwOXJkMHI0WUM2VExfd1J0U1RleWIzX3p1Y1UwZ3lNbTBuUlVXNEFnaS1RZDQyckF1MUhQNnJzT1lxcXlIM254cFdweE1jYU5ZUGxOdU56Sld4c0ExaGphNzVVUC1jSjMtd0ZDaEhTVVp0bUVZZVdxU2tYbjM2ei1EY0N5em1UMzFKVkFWOThZWnVUWXVjUkVzVktxMHRNMHc?oc=5) · Banking Dive
- 2024-09-08 [SC credit union is taking a bank shot in a first for the Palmetto State - Post and Courier](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQRmN5NWNwUEpaR0lTdXliVkQ5NHByb3lUbUxrTUI2Y2hwem1MamROVTFBcGx4eWllNE56MU1ZR0VPQnZWWXNiRGNPM0w3WG5UOFBFOWFfMUdkR0V4WEIzbDE4T2ZmV1BBVXRwc0t6aWw0N0xQcmJYS1dXMVJSeXNiSU5COHhENkdTbEFnU2p0aVZoQndMWUthaVo4eVFaYjBMMzBVQ1NMcm54akhiTnlWV2pKS1pYanloa0c0SWJON0hFejdYbTRQZ1JxYXk2WlJ5SXJOb0lHNA?oc=5) · Post and Courier
- 2026-03-10 [Carrick Professionals appoints REV Federal Credit Union CEO Jason Lee to Board of Directors - CUInsight](https://news.google.com/rss/articles/CBMizAFBVV95cUxPSXV6R3JOZWZabW10dVFsN09wbHdNSnZkNjRReUtWeml0Z0pxdW9CMk93RTNvSFYyazBaRHQ2Z2hEb284S09hODBNSTc1b1FVOGhodElzLVo1allLcmFIakZ3MFFhdXcxSGFNTHdrbEZjMEVIRUVmelFqc2pqZHRWcDFXQmZGM2phSzhjMFU1WF9OUVNNY2paeXdLdnNlSHI0eFNhb2ZsX0Nsc0ZFV3F3VWRwOElkcVNxczVoNmtDZGpvQ1FmRnBKZG81ZDA?oc=5) · CUInsight
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2024-09-03 [REV FCU Reaches Out of State to Buy First Neighborhood Bank - cutoday.info](https://news.google.com/rss/articles/CBMinAFBVV95cUxPLWtjVndXaWNJWGFwaEh5emNuZ3MyYVVNcTVLd3B4QUlUSzFHSnVsbjE3Qlhlb0JvNlg5Ni1DRUVNWW81Sm52SHh2MnNvbjVmeFItQTZTTGN1RnRBRlpTMnh2NnE2RkJ1YTViSFlwcnlnblJ4Tm05aFRHYUx1cEdUWUd2VXFJbUtZMXY1VDZmRk5lWEF3SHR4NUxFcjQ?oc=5) · cutoday.info
- 2025-04-17 [WEPCO Federal Credit Union celebrates 75 years in business - WV News](https://news.google.com/rss/articles/CBMiywFBVV95cUxPT201SUpQYVNvek10ckhIb1l5QzZ0NGhKRjB2RkJoU3gtYlVJS3BPM0dFRTNrREMtVkRkbkRRVXJrZnpoQjZUbDQ4UklGMmUyUVZwckJWbk5ZSGVXZXlyM2pqRTFkRnBBR29XUWpjY2ZQTjhsSE9raDJfRnVBal9GNzBWUmtuS2NqZ245VUhMQXNOcFU5N1FRcS1RQTdmWmJSWWc4U3l3RGRJRERUaHNZYlNIdUMtcF9Ydk1aRXg1eU9nUG1VT0VnSlN1dw?oc=5) · WV News
- 2025-08-30 [First Priority Federal Credit Union celebrates 100 years - herald-dispatch.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQMXdTN2M1VEZ0dVpQcWtnUE1HZ3pqXzNMcEcxbllQTlZOYWhkaXN5TjdSSS1Ncy1aSzhBSFpLdWZxb1A2OXd1ZXZ2NmktLUZmVkViTUNQN29oamdITlZYX2hCWVYyZmlKQkRyUVhRUUZsWVpJQzFmV2lnWHh0ZG1HZ0lCZWcxWnpNaVE0aVlpT1RWaDZjZzZ0TzcxZnViU0FUTDVMTGJ5MWl3QWZOSEtPZElveDNrU25GZGVvdGR4RzdCUnk3TUh5X1I5VFlEVm1UZzhKNW55OXZqYVltRTloTA?oc=5) · herald-dispatch.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12922 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/58.json (key "12922", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=12922
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide