Credit Unions in West Virginia
74 federally insured credit unions — NCUA Q4 2025 data
West Virginia credit union statistics
Credit Unions
Federally insured in West Virginia
Total Members
Combined membership
Total Assets
Combined industry assets
Avg Net Worth Ratio
Well-capitalized threshold: 7%
Cities in West Virginia
Select a city to browse local credit unions
Top 10 Credit Unions in West Virginia
Ranked by total assets — Q4 2025
| Rank | Name | Total Assets | Members | Health |
|---|---|---|---|---|
| #1 | BAYER HERITAGE | $786.2M | 44K | A |
| #2 | FIRST CHOICE AMERICA COMMUNITY | $687.5M | 31K | A+ |
| #3 | FAIRMONT | $580.6M | 45K | A |
| #4 | WEST VIRGINIA CENTRAL | $322.8M | 24K | A+ |
| #5 | PIONEER APPALACHIA | $238.8M | 15K | A+ |
| #6 | LONG REACH | $181.0M | 11K | A |
| #7 | STAR USA | $157.3M | 14K | A |
| #8 | WEST VIRGINIA | $138.8M | 7,249 | A+ |
| #9 | PEOPLES | $128.4M | 11K | B |
| #10 | THE UNITED | $106.3M | 5,944 | C |
Financially Strongest Credit Unions in West Virginia
Net worth ratio ≥ 10% — well above the 7% well-capitalized threshold
Frequently Asked Questions
There are 74 federally insured credit unions in West Virginia according to the latest NCUA Q4 2025 Call Report data. These institutions collectively hold $5.2B in assets and serve 376K members.
The average net worth ratio for credit unions in West Virginia is 15.5%. The NCUA considers a credit union "well-capitalized" when its net worth ratio is 7% or higher. A ratio above 10% is considered excellent and signals strong financial health.
The largest credit union in West Virginia by total assets is BAYER HERITAGE with $786.2M in assets. You can view full details, branch locations, and financial health data on its individual profile page.
Browse Nearby States
Data sourced from the NCUA Quarterly Call Report (Q4 2025). All financial data is for informational purposes only.