B
West Virginia Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
18.76
Leverage
Ratio
18.79
Return On
Assets
1.57%
Total
Assets
132.48M
Capital
24.85M
Total
Deposits
106.43M
Net
Income
1.53M
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Weiss Ratings West Virginia Federal Credit Union
South Charleston, WV 		Click to
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Rating B
Asset Quality Index 9.40
Capitalization Index 10.00
Liquidity Index 3.90
Profitability Index 9.00
Stability Index 7.00
Company Info West Virginia Federal Credit Union
South Charleston, WV 		Click to
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NCUA Charter Number 3146
Phone Number (304) 744-7604
Website www.wvfcu.org
Asset Quality West Virginia Federal Credit Union
South Charleston, WV 		Click to
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1-Year Asset Growth 6.26%
5-Year Asset Growth 0.82%
5-Year Charge-Offs to Average Loans 0.15%
Charge-Offs to Average Loans 0.19%
Non-Performing Assets to Assets 0.50%
Non-Performing Loans to Capital 2.55%
Non-Performing Loans to Loans 0.82%
Balance Sheet West Virginia Federal Credit Union
South Charleston, WV 		Click to
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Total Assets 132.48M
Total Deposits 106.43M
Capital and Reserves West Virginia Federal Credit Union
South Charleston, WV 		Click to
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Capital 24.85M
Leverage Ratio 18.79
Loan Loss Reserves to Loans 1.05%
Liquidity West Virginia Federal Credit Union
South Charleston, WV 		Click to
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Hot Money Ratio 7.12%
Liquidity Ratio 19.60%
Profitability West Virginia Federal Credit Union
South Charleston, WV 		Click to
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5-Year Return on Average Assets 0.69%
Net Income 1.53M
Net Interest Spread 4.47%
Operating Profit to Average Assets 1.29%
Overhead Efficiency Ratio 67.91%
Return on Assets 1.57%
Return on Equity 8.57%