Credit union · NCUA insured
Charleston FCU
A $15.3M credit union headquartered in Charleston, WV, with 1,259 members and 1 branch in West Virginia. Best rates: CDs 4.33% and savings 0.25% APY.
Charleston FCU Carrot Score
77
Carrot Score
Higher than 44% of U.S. banks and credit unions
#7 of 15 in Charleston, WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Charleston FCU
- Headquarters
- 300 Virginia St E Rm 4203, Charleston, WV 25301-2513
- NCUA charter
- 12922
Branches
1 branch in West Virginia
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West Virginia
1 branch
- Main OfficeMain office300 Virginia St E, Rm 4203, Charleston, WV 25301Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.81% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.75% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.64% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $71 | $59 | — |
- CapitalNet worth ratio14.81%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.75%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.64%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$71Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Charleston FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.