# RALEIGH COUNTY
BECKLEY, WV · NCUA charter 7790 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/raleigh-county-7790

Who the members are: federal charter, government (single sponsor), organized 1952, low-income designated. 2,053 members of 3,000 potential (68.4% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $20.8M |
| Members | 2,053 (-2.3% YoY) |
| Full-time staff | 5 |
| Net worth | $2.7M |
| Net worth ratio | 12.8% (p36 of band) |
| ROA (annualized) | 0.62% (p53 of band) |
| Total delinquency | 0.27% (p35 of band) |
| Net charge-offs (annualized) | 1.45% (p90 of band) |
| Loans / shares | 60% (p53 of band) |
| Cash / assets | 46.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.03% (p56 of band) |
| Operating expense / assets | 3.77% (p54 of band) |
| Vehicles % of loans | 77% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 1.65% (p91 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 26% |
| Average share balance | $6,070 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $12,500 |
| Loans granted, annualized | $3.6M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 | delinquency rising | net worth falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 | net worth falling | delinquency rising |
| 2017-12 | 1 |  | net worth falling |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 2 | net worth falling | delinquency rising |
| 2018-09 | 3 | delinquency rising, members leaving | net worth falling |
| 2018-12 | 1 |  | delinquency rising, members leaving |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | loans>95% of shares |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | loans>95% of shares |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | loans>95% of shares |  |
| 2020-09 | 3 | net worth falling |  |
| 2020-12 | 2 |  | net worth falling |
| 2021-03 | 1 |  | loans>95% of shares |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 1 |  | delinquency rising |
| 2022-09 | 3 | delinquency rising, loans>95% of shares |  |
| 2022-12 | 2 |  | delinquency rising |
| 2023-03 | 2 |  |  |
| 2023-06 | 4 | net worth falling, delinquency rising |  |
| 2023-09 | 3 |  | delinquency rising |
| 2023-12 | 2 |  | net worth falling |
| 2024-03 | 2 | margin squeeze | loans>95% of shares |
| 2024-06 | 2 | loan book shrinking | margin squeeze |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | net worth falling |  |
| 2025-03 | 2 |  | loan book shrinking |
| 2025-06 | 3 | delinquency rising, loan book shrinking | net worth falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | net worth falling |  |

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

- 2018-10-27 [James Harrison Redden Jr. Obituary Oct 27, 2018 - Rose & Quesenberry Funeral Chapels](https://news.google.com/rss/articles/CBMibkFVX3lxTFBySHVLM1hYWE0xazdJTVRRd0l2NFpKN05uOWI1MDNHNEFBcEVUWTFQXzA2ZFZQSU95ZXYyTG9XSFdNZnNNWjZXS2g5YUJwR3BMUl92R1planAxMXlPZ2hnZVplTzFkM2pVVEh3ZTJ3?oc=5) · Rose &amp; Quesenberry Funeral Chapels
- 2018-05-16 [LATEST: Man responsible for robbing bank pleads guilty - WVNS](https://news.google.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?oc=5) · WVNS
- 2018-03-03 [Raleigh County student wins Gazette-Mail Regional Spelling Bee - Charleston Gazette-Mail](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPTTdvMFVPTXdOaWVxb19velhmYi02aTBwM01waG1aLS1SdXZFeHE3QTY0c0VhaHkzTTU5UHV1c1RpcnZsTExITF9zN1RhazRtd0VwVlowbXI1SkdvNExWWjJfRVdtV1lMYm13Wmdtb2Jpdlk4b1RES0FZcExnOEpMUVgyY2tSSFpVY05GbEl4N1AyR2ZQOFE2b1luSTVfOVBCUDc5N2JWVVB1SGRhYUVpQkpWX3NnY1VQbmktV29NSUg0N2FxNWo5MzdiU2RCLXROT2RMS1RlWGl3ai1vNGdNWnBENUMtbTVkd1REYzVidkJmdw?oc=5) · Charleston Gazette-Mail
- 2021-07-02 [Glen Daniel Man Charged With Host Of Felonies Following Series Of Bad Decisions - West Virginia Daily News](https://news.google.com/rss/articles/CBMiO0FVX3lxTFBGWE9JY1p4bVp3ZjBHdzkxck1NdDlyOWUxSmFsYjZuSVZtRVgzQU5pU0dhbjBvNGZHZERr?oc=5) · West Virginia Daily News
- 2018-05-17 [Beckley Police search for man who robbed credit union at gunpoint - WV MetroNews](https://news.google.com/rss/articles/CBMiowFBVV95cUxOR0tSYTc1Q2xabVN6ejcwYW9TMjZWTE5rUnNBak1oWkpUUlZkT3ZYeVVwOXE4S0lndll0SnpsVHhVUV9YM1pRMUlRcDgwSENmbWoySmZZWWJGT1ZPc00yam1LU01KamtlVGVhcmV3RjlPMWUycGd1QWdvQnJSa19YQWlMRUxuTmJYd1ZvY3hGcm9YWnFhYkppeXh2YVJiQ2JVVnZV?oc=5) · WV MetroNews
- 2012-05-15 [David Caldwell Obituary (2012) - Beckley, WV - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPYm1YZUpnOUJHLW1CdVBCQ0FRajNSZXpaS1N4Z1piaGtyMEdHak5CQ2pjWDB1MW1SY3I3QkRiQmtDd3VNd2puRV9QTnRJMmdUNzRDcmxwMV84TzUwN1RYeHY0dWktVF9QU3ItS0ZUbm9TSFB4TE1QUjh2NWZVbWlJN08yVHNSZw?oc=5) · legacy.com
- 2015-08-05 [UPDATE: W.Va. Ethics Commission fines former Wayne County assessor - wsaz.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOU1JJbFgtNF9KUzk2dW5CRUptMGZMRXRBNm9DbTR1REc0R01JWkY1YmtWcVRIM0lkdHpBSHVRSWRqSUtudHpkWWJINVlKUVpJMnVQcnhxWnpKMUkzSEtSdEo1aEhMUmhDYXA5Rmh1aFdjWV9BY1dHcEItZ3haZzNWTVVwUHhTMUZ5Z3RuZWh5RWxUVy0xcENTNUFCWG11eVE?oc=5) · wsaz.com
- 2025-10-23 [West Virginia Medical Cannabis Fund currently in limbo - WVNS](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQcFZuZnIyWUNURVRTQ2poa1lMa0dxcmJMVWVXVkJ6eEk5MGxrTENPS1VOUFJxemRLMXN5Umg0MjVzaVNacmxsMXNITnNRc0tlcHNqelRlcDNjZzUxR3Y0MkFnN1hhSEE4OU1SRnBFNkRWTzFsS0RLbi1nX3dhQTkxSXpqQ2EycWpmS0xn0gGQAUFVX3lxTE16SjZMcTVWVU0zb1pjeFl2ZmFHcV9sZkwtZEVjTWd1TVRROXdxMWh4ZUZ5a2F6ODZmdDIycHBxY1VPUG42dzdIcGFqczhHbVlHa25wMWRoR0tRRWdkMC1ZTS1sa0tsZmF1QVFlNEhUeDNrWkoweGhpUDZjZmJLTWdVOVh0RjJ0RXZ6VEd2Nmhpdw?oc=5) · WVNS

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7790 (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/46.json (key "7790", 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=7790
- 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