Bluefield, West Virginia · Peer group 3
National Employees Credit Union
National Employees Credit Union holds $14.3M in assets across 2,956 members as of Q1 2026 — about $5K of assets per member, on a charter dating to 1948. Charter number 5713, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $14.3M |
|---|---|
| Total loans | $8.6M |
| Total shares (deposits) | $12.3M |
| Net worth | $1.9M |
| Members | 2,956 |
| Assets per member | $5K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -5.8% | |
|---|---|---|
| Loans | 6.8% | around the 86th percentile of its peer group |
| Deposits | -6.9% | lower than 92% of its peer group |
| Members | -0.6% | around the 60th 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 | 69.6% | around the 70th percentile of its peer group |
|---|---|---|
| Net worth ratio | 13.6% | around the 50th percentile of its peer group |
| Return on assets | -0.08% | around the 16th percentile of its peer group |
| Delinquency ratio | 0.59% | around the 50th percentile of its peer group |
| Cash / assets | 11.8% | around the 53rd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is National Employees 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.
- South Charleston Employees Credit Union
South Charlesto, WV
$14.4M · 1,210 members
- Putnam School Employees Credit Union
ELEANOR, WV
$14.1M · 1,892 members
- Romney Credit Union
ROMNEY, WV
$14.0M · 1,621 members
- Charleston Credit Union
CHARLESTON, WV
$15.3M · 1,259 members
- Harrison County Credit Union
Nutter Fort, WV
$15.7M · 1,216 members
- Cape Credit Union
Clarksburg, WV
$15.7M · 1,165 members
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