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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 2,027th largest credit union in the nation. It was established in 1988 and as of September of 2016, it had grown to 13 employees and 9,081 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.
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Health
A
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
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD1.35%
Return on Equity - YTD9.77%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$65.6MM$61.7MM
LoansQ3 2016vs Q3 2015$36.4MM$34.9MM
DepositsQ3 2016vs Q3 2015$56.2MM$53.5MM
Equity CapitalQ3 2016vs Q3 2015$8.9MM$8.0MM
Loan Loss AllowanceQ3 2016vs Q3 2015$456.00K$424.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$117.00K$155.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
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
0.36%--Christmas Savings
0.25%*$20k*-Regular Share Savings
OTHER TIERS: 0.05% $100 - $2,500 | 0.10% $2,500 - $5k | 0.15% $5k - $10k | 0.20% $10k - $20k
0.10%--Vacation Savings
0.10%--Investor Savings

The State Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1,500-Share Checking

The State Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$500-24 Month CD
0.30%$500-12 Month CD
0.25%$500-6 Month CD
0.20%$500-91 Day CD

The State Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$500-24 Month IRA
0.30%$500-12 Month IRA
Locations


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