# WEST VIRGINIA
South Charlesto, WV · NCUA charter 17057 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/west-virginia-17057

Who the members are: federal charter, community charter, organized 1965, low-income designated. 7,168 members of 435,000 potential (1.6% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *ordinary*. 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 | $143.0M |
| Members | 7,168 (-2.0% YoY) |
| Full-time staff | 21 |
| Net worth | $25.4M |
| Net worth ratio | 17.8% (p93 of band) |
| ROA (annualized) | 0.48% (p35 of band) |
| Total delinquency | 0.60% (p48 of band) |
| Net charge-offs (annualized) | 0.25% (p40 of band) |
| Loans / shares | 65% (p40 of band) |
| Cash / assets | 16.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.64% (p48 of band) |
| Operating expense / assets | 3.32% (p38 of band) |
| Vehicles % of loans | 38% (p51 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 22% |
| Third-party paper % of net worth | 25% (p48 of band) |
| Vehicle delinquency | 0.23% (p24 of band) |
| Vehicle NCO | 0.40% (p43 of band) |
| Repossessed % of vehicle book | 0.10% (p79 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 57% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 17% |
| Average share balance | $7,326 |
| Participations bought / yr | $410,000 |
| Participations sold / yr | $0 |
| Participations outstanding | $11.0M |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $24,050 |
| Loans granted, annualized | $22.6M |

## Participation posture (from the same filings)

Bought $410,000 and sold $0 in the latest annualized quarter; $11.0M outstanding purchased (43.4% of net worth), $95,456 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 11.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | delinquency 2x band, assets shrinking, members leaving |  |
| 2017-06 | 4 | delinquency rising |  |
| 2017-09 | 2 |  | members leaving, delinquency rising |
| 2017-12 | 1 |  | delinquency 2x band |
| 2018-03 | 2 | members leaving |  |
| 2018-06 | 3 | delinquency 2x band |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | delinquency 2x band |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | members leaving |
| 2019-09 | 1 |  |  |
| 2019-12 | 4 | delinquency 2x band, delinquency rising, members leaving |  |
| 2020-03 | 3 | losing money, margin squeeze | delinquency 2x band, delinquency rising, members leaving |
| 2020-06 | 1 | net worth falling | assets shrinking, losing money, margin squeeze |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | net worth falling |  |
| 2021-06 | 2 | margin squeeze, loan book shrinking | net worth falling |
| 2021-09 | 1 |  | loan book shrinking |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | losing money | margin squeeze |
| 2022-06 | 3 | net worth falling, members leaving |  |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | assets shrinking | losing money |
| 2023-06 | 1 |  | members leaving |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | assets shrinking, delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | delinquency rising |  |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-07-03 [West Virginia Central Federal Credit Union President and CEO Mike Tucker announces retirement - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMi4gFBVV95cUxNaTY1dnZHam5hTGRaQUYwWkhPRC04bjlQdVJYZFdRT0FKd2RjV2hQS2o4ZTVtUmhBalZMemRCLTlYX18zbWdfR1ZRbWF3eFduT1YxZWFMNnlGOHQ4a3BnMmhKMFA2a2lucGViQjVuc2t4Q2dLcHE2OC1SUFFJYXMyUlVqVUs4SUl0YTBobXBIaHQxY3VWMmxjQkJLcnJaMVJyRHBzRGJjd1JsT2RWektLZEF1UUNlblluVDQzb1U2SDRZWEZyb3o0cEJJekNKZUUzanZkMGVPMGo2NlF2Q2U5THB3?oc=5) · The Parkersburg News and Sentinel
- 2026-01-05 [West Virginia Central Credit Union surprises members with owner dividend deposits - WTAP](https://news.google.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?oc=5) · WTAP
- 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
- 2026-03-05 [West Virginia House decides allocation of medical cannabis revenue - WOWK 13 News](https://news.google.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?oc=5) · WOWK 13 News
- 2025-11-07 [Are your bank’s convenience fees Legal? WV Class Action Says No! - WVVA](https://news.google.com/rss/articles/CBMimgFBVV95cUxPaUhJVV9lSXozVUJzVzdhODNlWnBKenN0WFNUWXRVQWs4RnFnRWZPcUJhMU1hU0VxMi1vZ0U5djQ2ZW5IczFGNzhkZmJuRVloQWpiTncyd0pudDAtZ0FmaWxHN2d4cklBM3hFQmRLcm5zNFczbWUxV25xb1NrSndkX2tCckRHVTJkYTktRHNPSWc2Xzlrcklfa0Jn0gGuAUFVX3lxTFBBZXF2cTZlX1pQMTVaWTNmZ0IxTHN4MkxjRDdydXJYMVZpWkx1Q2cweVMtMS1ERURiaWdSRHpwQXVqWkhDSHJGZGpzMFQ0WUVZU3dWUU93Q2FRQzlLY0JXeWFCaE00Yk0tSXBJNDktbEE1aUdEZWhxYWVlREloazlSbnZGNHl0SlVNdk9zN0hWODBXaTExR0UtOWxTSWphOGVkSi1seTNPZlpKSzE2Zw?oc=5) · WVVA
- 2025-10-23 [West Virginia Medical Cannabis Fund currently in limbo - WVNS](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQcFZuZnIyWUNURVRTQ2poa1lMa0dxcmJMVWVXVkJ6eEk5MGxrTENPS1VOUFJxemRLMXN5Umg0MjVzaVNacmxsMXNITnNRc0tlcHNqelRlcDNjZzUxR3Y0MkFnN1hhSEE4OU1SRnBFNkRWTzFsS0RLbi1nX3dhQTkxSXpqQ2EycWpmS0xn0gGQAUFVX3lxTE16SjZMcTVWVU0zb1pjeFl2ZmFHcV9sZkwtZEVjTWd1TVRROXdxMWh4ZUZ5a2F6ODZmdDIycHBxY1VPUG42dzdIcGFqczhHbVlHa25wMWRoR0tRRWdkMC1ZTS1sa0tsZmF1QVFlNEhUeDNrWkoweGhpUDZjZmJLTWdVOVh0RjJ0RXZ6VEd2Nmhpdw?oc=5) · WVNS
- 2026-04-10 [UPDATE: WVU ‘serial scammer’ arrested after cashing stolen $850 check, police say - WDTV 5](https://news.google.com/rss/articles/CBMioAFBVV95cUxNbDJmS2VfYlJ2cXZVclkxckxZTVFzRmV6NVJnZklWYXctRXJVT1hGRzNYbm91NXdyOEdxdDFqNFoyOUM4b2M0c2QycnFrYnIzR242S1RiM0dPZjE4R1hKeWVScVAtRS1mWjN1VnJhSmtEMVpuQ1hma0daSU5wckxCWEVBaFJrbGNxQnN2UlNFa3Y4SDFDNmRDQkExbEJZazNM0gG0AUFVX3lxTE5GZWpHcVdPNHFVSDRicXZUQkhZRDNqM2c5aWRnZE5nZ0RLUk5DQncwbGhLaGJwUlA0cnFDcWNrNEFoLW1jS1FxUGdnSjl1bHZ2aF94bkxlRldhbE01S0t4Q0I2ZXJnMGFFMUtSTnY5THE4dUx2VEhGcnVkbmkyOFg3MXJKWEsxZlQtM1BGcTQtV085WVNFZUFmNDhWaENQbXRHbWVuU1J6RkljUVdMY2gzTm51UA?oc=5) · WDTV 5
- 2025-10-22 [West Virginia has collected $34 million from its medical cannabis program. It hasn’t spent a penny. - mountainstatespotlight.org](https://news.google.com/rss/articles/CBMihgFBVV95cUxOdmZ1czRnRXg0SEdrRDdzNWFiTUYyU2tpanBkT1QzMDRuZTkyNkQ3eDhyRFBucUo0M2RqY0VjTDlCVUZ2WGlJc3YwNDEtcnBGNGFJTEhaYk5KRDQ1SXZ2UUwxanlRM1dGTDZPMzdYR0F6NmNkNHpoa3gwU3hPT0U1MkNKNnFKUQ?oc=5) · mountainstatespotlight.org

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17057 (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/33.json (key "17057", 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=17057
- 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