Fairmont, West Virginia · Peer group 1
U S Employees Credit Union
U S Employees Credit Union holds $511K in assets across 118 members as of Q1 2026 — about $4K of assets per member, on a charter dating to 1950. Charter number 6672, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $511K |
|---|---|
| Total loans | $121K |
| Total shares (deposits) | $465K |
| Net worth | $45K |
| Members | 118 |
| Assets per member | $4K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -7.3% | |
|---|---|---|
| Loans | -48.7% | lower than 95% of its peer group |
| Deposits | -5.8% | around the 38th percentile of its peer group |
| Members | -2.5% | around the 46th 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 | 25.9% | around the 29th percentile of its peer group |
|---|---|---|
| Net worth ratio | 8.8% | around the 11th percentile of its peer group |
| Return on assets | -2.07% | around the 18th percentile of its peer group |
| Delinquency ratio | 3.50% | around the 69th percentile of its peer group |
| Cash / assets | 37.6% | around the 68th 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 U S 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.
- Eagle Can Employees Credit Union
Wellsburg, WV
$451K · 117 members
- W. Virginia State Convention Credit Union
Hilltop, WV
$378K · 195 members
- McDowell County Credit Union
Welch, WV
$66K · 32 members
- Logan County School Employees Credit Union
Logan, WV
$1.3M · 402 members
- City of Fairmont Credit Union
Fairmont, WV
$1.4M · 336 members
- Teamsters Local 697 Credit Union
Wheeling, WV
$2.7M · 532 members
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