Overview / Commentary
2200 WASHINGTON ST E
CHARLESTON, WV 25311-2219

The State Credit Union is headquartered in CHARLESTON and is the 13th largest credit union in the state of West Virginia. It is also the 1,987th largest credit union in the nation. It was established in 1988 and as of June of 2018, it had grown to 14 employees and 8,582 members at 1 location. The State Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to employees of the state of West Virginia, students of West Virginia public universities and colleges, employees of Barbour County Commission and over 80 member groups.
See current membership details

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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. The State Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #67222
Year Chartered1988
Employees14
Primary Regulator
Profit Margin
Return on Assets - YTD1.15%
Return on Equity - YTD7.66%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$69.7MM$66.9MM
LoansQ2 2018vs Q2 2017$38.7MM$36.6MM
DepositsQ2 2018vs Q2 2017$58.7MM$56.8MM
Equity CapitalQ2 2018vs Q2 2017$10.4MM$9.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$472.00K$435.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$141.00K$220.00K
Real Estate OwnedQ2 2018vs Q2 2017$44.00K$44.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The State Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%--Christmas Savings
0.40%*$20k*-Regular Share Savings
OTHER TIERS: 0.20% $100 - $2.5k | 0.25% $2.5k - $5k | 0.30% $5k - $10k | 0.35% $10k - $20k
0.10%--Vacation Savings
0.10%--Investor Savings

The State Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1.5k-Share Checking

The State Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.09%$500-24 Month CD
0.80%$500-12 Month CD
0.50%$500-6 Month CD
0.45%$500-91 Day CD

The State Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.09%$500-24 Month IRA
0.80%$500-12 Month IRA
Locations


The State Credit Union Locations
Branch Office2200 WASHINGTON ST ECHARLESTON, WV 25311-2219

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