THE STATE
State-Chartered • CHARLESTON, West Virginia • Est. 1988
Quick Facts
- Charter Number
- #67222
- Type
- State-Chartered
- Established
- 1988
- Headquarters
- CHARLESTON, West Virginia 25305-0919
- Address
- 2200 WASHINGTON STREET EAST, P.O. B
- Branches
- 2
- ATMs
- 1
- Members
- 8,408
- Membership Type
- Community
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
8,408 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | THE STATE |
|---|---|
| Total Assets | $92.6M |
| Members | 8,408 |
| Loans Outstanding | $51.9M |
| Shares & Deposits | $74.2M |
| Net Worth | $17.6M |
| Net Worth Ratio | 19.03% |
| Loan-to-Share Ratio | 70.0% |
| Delinquency Rate | 0.06% |
| Net Income | +$1,574,011 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 1 ATMs
2200 WASHINGTON STREET E
Main Office2200 WASHINGTON ST E
CHARLESTON, WV 25311-2219
FISERV PORTICO
6160 WARREN PKWY STE 500
FRISCO, TX 75034-9673
Who Can Join THE STATE?
Membership Type: Community
Membership eligibility for THE STATE may vary. Contact the credit union directly to confirm qualification requirements.
Contact THE STATE 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. THE STATE 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, THE STATE has 8,408 members and a potential membership field of 40,000 people.
THE STATE's net worth ratio is 19.03% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 19.0%, THE STATE meets this threshold.
THE STATE operates 2 branch locations and has access to 1 ATMs. The main office is located at 2200 WASHINGTON ST E, CHARLESTON, WV 25311-2219.
THE STATE was established in 1988. It is a state-chartered credit union chartered under charter number 67222. The institution has been serving members for 38 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or THE STATE. All financial data is for informational purposes only.