ELEMENT
Federal • Charleston, West Virginia • Est. 1978
Quick Facts
- Charter Number
- #23162
- Type
- Federal
- Established
- 1978
- Headquarters
- Charleston, West Virginia 25304
- Address
- 3418 MacCorkle Ave SE
- Branches
- 4
- ATMs
- 4
- Members
- 4,401
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
4,401 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ELEMENT |
|---|---|
| Total Assets | $51.0M |
| Members | 4,401 |
| Loans Outstanding | $29.3M |
| Shares & Deposits | $39.8M |
| Net Worth | $10.3M |
| Net Worth Ratio | 20.16% |
| Loan-to-Share Ratio | 73.8% |
| Delinquency Rate | 1.44% |
| Net Income | +$195,031 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
4 locations · 4 ATMs
Kanawha City
Main Office3418 MacCorkle Ave SE
Charleston, WV 25304
Capitol Street
350 Capitol St Rm 156
Charleston, WV 25301
South Charleston
323 2nd Ave
South Charleston, WV 25303-1213
The Element Edge
1611 4th Ave
Charleston, WV 25387
Who Can Join ELEMENT?
Membership Type: Community
Membership eligibility for ELEMENT may vary. Contact the credit union directly to confirm qualification requirements.
Contact ELEMENT directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in West Virginia
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View West Virginia RankingsFrequently Asked Questions
ELEMENT is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, ELEMENT has 4,401 members and a potential membership field of 65,000 people.
ELEMENT's reported net worth ratio is 20.16% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
ELEMENT operates 4 branch locations and has access to 4 ATMs. The main office is located at 3418 MacCorkle Ave SE, Charleston, WV 25304.
ELEMENT was established in 1978. It is a federal credit union chartered under charter number 23162. The institution has been serving members for 48 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or ELEMENT. All financial data is for informational purposes only.