MCDOWELL COUNTY
Federal • Welch, West Virginia • Est. 1968
Quick Facts
- Charter Number
- #18950
- Type
- Federal
- Established
- 1968
- Headquarters
- Welch, West Virginia 24801
- Address
- 21 Bank Street
- Branches
- 1
- Members
- 32
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
32 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MCDOWELL COUNTY |
|---|---|
| Total Assets | $64K |
| Members | 32 |
| Loans Outstanding | $14K |
| Shares & Deposits | $48K |
| Net Worth | $16K |
| Net Worth Ratio | 24.82% |
| Loan-to-Share Ratio | 28.8% |
| Delinquency Rate | 0.00% |
| Net Income | +$6 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
McDowell County FCU
Main Office1027 Frederick St
Bluefield, WV 24701
Who Can Join MCDOWELL COUNTY?
Membership Type: Other/Unknown
Membership eligibility for MCDOWELL COUNTY may vary. Contact the credit union directly to confirm qualification requirements.
Contact MCDOWELL COUNTY 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. MCDOWELL COUNTY 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, MCDOWELL COUNTY has 32 members and a potential membership field of 1,000 people.
MCDOWELL COUNTY's net worth ratio is 24.82% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 24.8%, MCDOWELL COUNTY meets this threshold.
MCDOWELL COUNTY operates 1 branch location. The main office is located at 1027 Frederick St, Bluefield, WV 24701.
MCDOWELL COUNTY was established in 1968. It is a federal credit union chartered under charter number 18950. The institution has been serving members for 58 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MCDOWELL COUNTY. All financial data is for informational purposes only.