# WEST VIRGINIA CENTRAL
Parkersburg, WV · NCUA charter 24888 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/west-virginia-central-24888

Who the members are: federal charter, community charter, organized 1969, low-income designated. 23,842 members of 196,000 potential (12.2% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *fortress*. 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 | $336.7M |
| Members | 23,842 (3.1% YoY) |
| Full-time staff | 40 |
| Net worth | $44.9M |
| Net worth ratio | 13.3% (p76 of band) |
| ROA (annualized) | 1.81% (p96 of band) |
| Total delinquency | 0.76% (p63 of band) |
| Net charge-offs (annualized) | 0.09% (p13 of band) |
| Loans / shares | 76% (p53 of band) |
| Cash / assets | 14.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.92% (p14 of band) |
| Operating expense / assets | 2.35% (p9 of band) |
| Vehicles % of loans | 46% (p73 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.92% (p73 of band) |
| Vehicle NCO | 0.31% (p29 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 66% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 21% |
| Average share balance | $5,720 |
| Participations bought / yr | $7.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $29.6M |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $20,752 |
| Loans granted, annualized | $79.8M |

## Participation posture (from the same filings)

Bought $7.9M and sold $0 in the latest annualized quarter; $29.6M outstanding purchased (65.9% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 7.6% 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 |
|---|---|---|---|
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 1 | net worth falling | delinquency rising |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | net worth falling, margin squeeze |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 1 | delinquency 2x band |  |
| 2021-12 | 0 |  | delinquency 2x band |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 1 | delinquency rising | net worth falling |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | leaning on borrowings |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 | delinquency rising | leaning on borrowings |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | net worth falling, delinquency rising |  |

## 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
- 2019-02-21 [Wood County Community Federal Credit Union to merge with WV Central Federal Credit Union - WTAP](https://news.google.com/rss/articles/CBMie0FVX3lxTE02ZURVQ3VaWjhOblVTajJBa1lONHlHMEkyNGwxenFFaWlfUW9DbDJOaTRiM2xHWmwxNHRPMFhqc0UzRXVvcHRuejAtNWNnSDFpVFZiakhRbzdRWVh5VWQ5YW9CUzdlYkJqUDgzRjFhUVdRT1I4Y2dWRHhLUQ?oc=5) · WTAP
- 2023-07-12 [Henrie Lane to perform at Artsbridge Summer Music Series on July 13 - - Marietta Times](https://news.google.com/rss/articles/CBMivwFBVV95cUxPOGptUk1XWklNRlBXR1p0d2k5cmI1QUt0dzZmOUhpeHg2aXc3cmUwbGw5RXpJTEJZY3lWeGstQ2hDYV9wRFlNSjNMdk5nWUhLX05zQk5wVHhoZ05QTUY3dzlZTm16WnV4NzdaMUpQMXlTM3VqQlBBUENSUV9LZ3lQWGc2a1pXMDUyRzhGLXNzTVhrQWNOVk1BZUlnUWtxdC1HOTN0NXBoSnNRdi1lZ1c4dE9PSVZZSzdXdGN2MDZTSQ?oc=5) · Marietta Times
- 2022-05-25 [West Virginia Central Federal Credit Union gives $200,000 to Discovery World - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQRXFHWG1kOC1oVjBMQkwyUEJFVzkzOWNPVmZvN3VVTFVCNkZXa0paWTFDTXV4b2NiQmZ1OWFSeG1SOTRzNXdZQndjUWF6WFgtZkc2ak5WMlRuaVMzYWRlcTd2RUFvNWh2UWtMWjFuMjBHbml6S014eGtuaERuekRrb09xamI4dnRpMFFxSUM4YXhDN3lfWTlQdkk3Yk56X3lZTUZncGhRRGFoeUVYMVhxOXMxTFRKOEpzcUtIX2pWMTJuQWJnWlZvUXVZaXoyeGhJ?oc=5) · The Parkersburg News and Sentinel
- 2021-08-15 [Kalum Austin Butcher - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOSWQ3TmI2eUhoR2p6cGNKZ3FlTUMzTGVDNW1XZFEtRDRaWXlScEM1MlFKdEZJWWM5RTEwMk9PaWQybWc1MVhyQXN4SEpLZW9QaUhDV0FKVGItanNrNmg2bVo2UWljckFicVVWOFB5REZLSUVNSjZESXlxU2NaZ2w0S0Q5LVk?oc=5) · legacy.com
- 2025-09-26 [Jackson Middle School students learn budgeting - - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMiowFBVV95cUxPeDBzcTlLYmpPdTJhc2lFLVBJYVotVkNNQUdPZVRfTlJ5YnA1am43Qm1YamtLclltdlU2NjNfTTJKRUVqWEJDZnBBeWk5ZmZxT0x5b3JWc0lrTmtLTm41NjVTR0pfNjVKOWpubUdfa2xpX0NMLUpqVF8wU1doVnJfVzBfVzJ5RW1hZ2VqWFlIVGhhb2tVNTA3c2hTZWw1ZGdtdWdZ?oc=5) · The Parkersburg News and Sentinel
- 2025-05-29 [Full Circle Yoga rolling out welcome mat with Point Park effort - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMiugFBVV95cUxOMVFSOF9iX25UUDB4b0EzMFc3aFU1ZVAxbUR3eVI2dW5RMlBfQURldHRuSmJ2NXZBYkw1ZlpjcHNEY21kemItb2NZM3JCSm9NVjVQcWt1NXVES19iUEl1c1NRWGV6V2pJcWRQQnNoNUN0Z1J3WFFvbHJVMkoxdU5ObEt0b29IWEVGaUhqanhqRDk1QTN3X2tqZ19rSnhEY2htZ19ubUt0QkNKZFlOX2pTekFXRmVBeFpoWFE?oc=5) · The Parkersburg News and Sentinel

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24888 (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/56.json (key "24888", 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=24888
- 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