# WEE
Parkersburg, WV · NCUA charter 14257 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/wee-14257

Who the members are: federal charter, multiple common bond, organized 1961, low-income designated. 1,765 members of 114,185 potential (1.6% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 25.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $27.9M |
| Members | 1,765 (-3.0% YoY) |
| Full-time staff | 5 |
| Net worth | $3.8M |
| Net worth ratio | 13.5% (p41 of band) |
| ROA (annualized) | 0.80% (p61 of band) |
| Total delinquency | 2.48% (p83 of band) |
| Net charge-offs (annualized) | 0.02% (p52 of band) |
| Loans / shares | 37% (p21 of band) |
| Cash / assets | 21.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.75% (p13 of band) |
| Operating expense / assets | 2.38% (p17 of band) |
| Vehicles % of loans | 35% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 5.16% (p94 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 38% |
| Average share balance | $7,715 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 25% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $20,066 |
| Loans granted, annualized | $1.5M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | delinquency 2x band |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | delinquency 2x band |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | margin squeeze |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 | delinquency 2x band, delinquency rising | margin squeeze, net worth falling |
| 2021-12 | 0 |  | delinquency 2x band, delinquency rising |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | delinquency 2x band, delinquency rising |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 1 | delinquency rising | delinquency 2x band |
| 2023-09 | 0 |  | delinquency rising |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | delinquency 2x band |
| 2025-03 | 2 | delinquency 2x band |  |
| 2025-06 | 1 |  | delinquency rising |
| 2025-09 | 3 | delinquency rising, members leaving |  |
| 2025-12 | 2 |  | members leaving |
| 2026-03 | 2 | net worth falling | delinquency rising |

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

- 2025-09-27 [Charles Thomas “Tom” Little - - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMigwFBVV95cUxOS3YyaGFSOWdPSllPNUgyUVYzNmRkOWhNX3d5Vm44NVRIZUVXRVVQMXBNV0JmMHlIcXFSNVJrWE84WHV3WHN6Y0JaMHVQQ3dfNU5vODNjTGhlLVFaeGotVTlPcXBiUGNLUUFWNTBZZFYxaGRfZnZ0YV9Wb1Y0ZVpUX3dZSQ?oc=5) · The Parkersburg News and Sentinel
- 2024-09-27 [Chamber of Commerce of the Mid-Ohio Valley: Members - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMinwFBVV95cUxPNGg4YXJxZlp5VTlmU1gwUzNOYjBsSVB5S0JHYVhwcTI0N0JxZnR5cFFQY3FoYU9qTHpNSy1KZ0JqVzE5a1VTdUpJZk02OGhxbVBNY0o3cXFXNFVsX3JxdEw2OXhVNGR1VnAwZzNCMmVqVmdrTnpCMUdsRE90T3A2dDZUMFZWRkpFQks0UGRNd25valV0NDZiVU9ZRGM1TFE?oc=5) · The Parkersburg News and Sentinel
- 2024-08-10 [Roy L. Radabaugh - - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMidkFVX3lxTFBZZC1ZQ19LeWFTZklDQzFsMHUzMGFiRGxzazZkX3J3OUxibW5obG5IVmtkUHF6dm9OMnlUVVQzaDBEaGN5WV9xeWxMWmNuNEFHTEh1SVM4WlZnS19ON2JNUjhpaUhNRi1hZ3RTMWVsN3JfSFAtMGc?oc=5) · The Parkersburg News and Sentinel

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14257 (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/49.json (key "14257", 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=14257
- 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