Charleston, West Virginia · Peer group 4
Element Credit Union
Element Credit Union holds $51.0M in assets across 4,401 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1978. Charter number 23162, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $51.0M |
|---|---|
| Total loans | $29.3M |
| Total shares (deposits) | $39.8M |
| Net worth | $10.3M |
| Members | 4,401 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -31.0% | |
|---|---|---|
| Loans | -10.6% | lower than 93% of its peer group |
| Deposits | -37.5% | lower than 100% of its peer group |
| Members | -2.5% | around the 35th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 73.8% | around the 75th percentile of its peer group |
|---|---|---|
| Net worth ratio | 20.2% | higher than 91% of its peer group |
| Return on assets | 1.53% | around the 86th percentile of its peer group |
| Delinquency ratio | 1.44% | around the 85th percentile of its peer group |
| Cash / assets | 24.0% | higher than 93% of its peer group |
| Borrowings / assets | 1.2% | higher than 97% of its peer group |
What this page does not show
Everything above is Element Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within West Virginia — the comparison set a peer ratio is measured against.
- Metro Community Credit Union
Huntington, WV
$51.1M · 4,643 members
- Ravenswood Credit Union
RAVENSWOOD, WV
$51.3M · 5,443 members
- Wv National Guard Credit Union
CHARLESTON, WV
$51.9M · 1,806 members
- Huntingtonized Credit Union
Huntington, WV
$47.5M · 4,836 members
- Mountain Heritage Credit Union
PARKERSBURG, WV
$47.3M · 8,873 members
- Kemba Charleston Credit Union
Dunbar, WV
$45.7M · 3,420 members
CUSignals is independent and is not affiliated with, endorsed by, or acting for Element Credit Union, nor for any regulator or trade association. Figures on this page are drawn from institution-level data for the quarter shown and may trail the institution’s own reporting; they are presented for information and are not investment, credit or merger advice, and not a recommendation about this or any institution. No institution can pay to be listed, delisted, or shown differently. To request a correction, email admin@infinidatum.net. See the disclaimer and privacy policy.