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
- 4,426
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
4,426 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ELEMENT |
|---|---|
| Total Assets | $84.6M |
| Members | 4,426 |
| Loans Outstanding | $30.3M |
| Shares & Deposits | $73.5M |
| Net Worth | $10.1M |
| Net Worth Ratio | 11.93% |
| Loan-to-Share Ratio | 41.2% |
| Delinquency Rate | 1.32% |
| Net Income | +$1,361,893 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View West Virginia RankingsFrequently Asked Questions
Yes. ELEMENT is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, ELEMENT has 4,426 members and a potential membership field of 65,000 people.
ELEMENT's net worth ratio is 11.93% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.9%, ELEMENT meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ELEMENT. All financial data is for informational purposes only.