# FAIRMONT
FAIRMONT, WV · NCUA charter 3439 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fairmont-3439

Who the members are: federal charter, community charter, organized 1939, low-income designated. 45,432 members of 279,669 potential (16.2% of the field); checking penetration 81% (share draft accounts per 100 members); loans per 100 members 22.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $602.5M |
| Members | 45,432 (1.5% YoY) |
| Full-time staff | 113 |
| Net worth | $57.1M |
| Net worth ratio | 9.5% (p31 of band) |
| ROA (annualized) | 0.61% (p48 of band) |
| Total delinquency | 0.30% (p23 of band) |
| Net charge-offs (annualized) | 0.05% (p5 of band) |
| Loans / shares | 69% (p21 of band) |
| Cash / assets | 17.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.98% (p20 of band) |
| Operating expense / assets | 3.34% (p37 of band) |
| Vehicles % of loans | 46% (p83 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 76% |
| Third-party paper % of net worth | 230% (p79 of band) |
| Vehicle delinquency | 0.19% (p11 of band) |
| Vehicle NCO | 0.04% (p3 of band) |
| Repossessed % of vehicle book | 0.04% (p49 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 25% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 23% |
| Average share balance | $5,482 |
| Participations bought / yr | $410,000 |
| Participations sold / yr | $0 |
| Participations outstanding | $7.5M |
| Loans outstanding per 100 members | 22% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $37,345 |
| Loans granted, annualized | $90.8M |

## Participation posture (from the same filings)

Bought $410,000 and sold $0 in the latest annualized quarter; $7.5M outstanding purchased (13.1% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 6.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  | thin capital |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2019-03 | 1 |  | delinquency 2x band, delinquency rising |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 4 | thin capital, delinquency 2x band |  |
| 2021-03 | 4 | net worth falling | delinquency 2x band |
| 2021-06 | 2 |  | margin squeeze, net worth falling |
| 2021-09 | 3 | margin squeeze |  |
| 2021-12 | 2 |  | margin squeeze |
| 2022-03 | 4 | net worth falling, members leaving |  |
| 2022-06 | 3 |  | net worth falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | members leaving |
| 2023-06 | 1 |  | thin capital |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | net worth falling, delinquency rising |  |
| 2025-06 | 1 |  | net worth falling, delinquency rising |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2025-09-15 [More than 187,000 affected by data breach with Fairmont Federal Credit Union - wboy.com](https://news.google.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?oc=5) · wboy.com
- 2019-03-04 [Cindy Dickey named new CEO of Fairmont, WV, Federal Credit Union - WV News](https://news.google.com/rss/articles/CBMi6AFBVV95cUxOdjB5ZG4yUTNmbnBXUW1SUlViOUkyQ3ZXTFUyQlQydEJOS3I2T1lOX3lwbTdPM3YxRVhZLURnUnBXM2NJMVJVN09oOVRSbjZxdFR6amM2ZUYtcnk2RGZxOGp0eFN4WFZSc2QxdDFxdm52SVFleko4U1NVTVBZS2d3cWNKQ09pUzZVS05BQmszSkxHckY4SWNwaUJZazRPRUJuRFJkYmthNGNjQS14RHp6LUpQN2UxU2pKR3JndnpwNnhzWjNpODlSNEppMkl6X0Z4aW1VNzFuQldsU2M2YzhPRXY5bWJVbHBy?oc=5) · WV News
- 2025-09-12 [Fairmont Federal Credit Union Data Breach Impacts 187K - ClassAction.org](https://news.google.com/rss/articles/CBMimAFBVV95cUxQRHJ5cEpGRVozVFRGb2VKMUZNX25WekJHakJ2OGpyVkw3MGNkZVZHTFVYdjN5ckRDYnZqU241cTNCd21PWjY4X1dVeGdNcHhnVzZuUm9Pek9VQmUwcnFrYU8xbUlvZDNwWmFkNWtacWhwOE5RekFZUTAwellJd0FJMXl2UGZQc29wcUtCcllxU0QyOVVyRFFGbw?oc=5) · ClassAction.org
- 2019-03-10 [Cindy Dickey named CEO of Fairmont Federal Credit Union - - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMirwFBVV95cUxQMEo3ZXVLTDZrenhJcHVPcThjRjFNV2MyWVAyemxHb0dGMU5qNTVZZFFndHRzLW1qT0ZubHFYZFVRQnZ3ekVkenBVa3dhcEFDVUhXMnRqSWNPR0dnaHkxNDBWd2xMekNBWDdOVWJXaGRRZkE5QlR4ei1xb3Y4OGNMM2x0bUR0T1ZfdlBqUFJ0VHpXZWphS3Y4eU1HT1hDNjhlcmU1UFFUWGhhVnduRE93?oc=5) · The Parkersburg News and Sentinel
- 2025-06-25 [Fairmont Federal Credit Union Data Breach Affects 187k People - Claim Depot](https://news.google.com/rss/articles/CBMid0FVX3lxTE1WMzRkX2hVdnRBNmZGZEtEUFZ1Y1kyLVlBMHk2ZUpic2x1VUItTnVpTGdXcnZyeW92cVMxdU9PUzRTcEVOUVlpUEpuZGVDQlplalVxQzNndzViX0FzeWVsZHR6eWVyeWd5TU5zeVZzUjB3SnhIMm9v?oc=5) · Claim Depot
- 2023-06-20 [Forbes 2026 America's Best Credit Unions In Each State List - Forbes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9vRWJOaE5OZ1NrY3RJeUZnWS1yRXkwMUYzYllJMTN3VEQxTWtwNHJGdC1FejkwVF9UT045OWFhQ0NSWmtzTHBJeXZFSFdydTNuc2VyT3BjUGRLcmlWLWhaVHNJUVZMRHNt?oc=5) · Forbes
- 2025-03-17 [Marion Paul White - WDTV 5](https://news.google.com/rss/articles/CBMiX0FVX3lxTE16RDJvNlc4VXBQS1J5YlN0aTYxQnEwUFVma05aTFktaENMZURpalNnb0F5LVVyM19wNWtHVlIyS0NVckFjS0gwX0RJeGVSYlhpclZaWXlDSWlMSGs3U19Z0gFzQVVfeXFMUGwzS1c1ajRaMkV6QTViWWRGSVppQnVvVDFuN2FiR3oyNEp6ZC0xYU01ZnZBNnk5VmFXZm05alRhQlhHclE3T09qMld0Ul9IUkRkU3RzNmp3VVozaTAweTRkMjdURDRoc2FBMmkycE1meXBMaw?oc=5) · WDTV 5
- 2017-10-25 [Fairmont Federal Credit Union to open new 12th Street location - WV News](https://news.google.com/rss/articles/CBMi6AFBVV95cUxNbXMtMUFCZXplVFlaZG5zekNDclU4M0psNF9wd1RYTHFTRU1YQ0JxVkNHOW40TlV3MURUcVhKZS1CNFFyM05CNHczSC02dW80cnRSRXJzTGNGN0dfZUlTOUcteEhFdU5rR1AzLW1IUE1OSnhfTHZHcFJwdGlZd1pPcG9jN0FzeXh4RlNuMDd0LXR5Q04yWEFRTVF0V1B0LU1WeDdudVBZcEJmeEdyTE0xaFF6MzlGTi1VZ0QtdlFoTXI3bVZZUkRTMEE2dVhMajJJYl9xLU05SnFad3ZDMzYzVmw5U3VTZjA5?oc=5) · WV News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3439 (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/47.json (key "3439", 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=3439
- 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.

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