Advertisement
Element
Charleston, WV · NCUA Charter #23162 · Federal charter · Chartered 1978
Total assets
$47.25M
Shares & deposits
$36.58M
Total loans
$28.58M
Members
4,375
Net worth
$10.30M
Branches
4
Rank: #2,437 of 4,299 U.S. credit unions by assets · #23 of 74 in West Virginia. Assets changed -39.9% and membership -1.5% over the year to June 30, 2026.
Advertisement
Key ratios
| Net worth ratio (capital) | 21.80% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.95% |
| Loans to shares & deposits | 78.1% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $47.10M | $40.60M | $0 | $5.62M |
| Jun 2023 | $52.41M | $45.28M | $0 | $6.63M |
| Jun 2024 | $65.22M | $56.84M | $0 | $8.05M |
| Jun 2025 | $78.67M | $67.96M | $0 | $9.65M |
| Jun 2026 | $47.25M | $36.58M | $0 | $10.30M |
Branch footprint
| State | Branches |
|---|---|
| West Virginia | 4 |
Similar-sized credit unions
Bessemer System ($47.26M) · St. Tammany ($47.23M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
Advertisement