Credit union · NCUA insured
Peoples Federal Credit Union
A $131.3M credit union headquartered in Nitro, WV, with 10,760 members and 4 branches in West Virginia. Best rates: CDs 3.51% and savings 0.15% APY.
Peoples Federal Credit Union Carrot Score
77
Carrot Score
Higher than 43% of U.S. banks and credit unions
#8 of 15 in Charleston, WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Peoples Federal Credit Union
Peoples Federal Credit Union serves Kanawha, Mason, and Putnam Counties in West Virginia.
- Headquarters
- 419 1st Ave S, Nitro, WV 25143-2313
- NCUA charter
- 16993
Branches
4 branches in West Virginia
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West Virginia
4 branches
Charleston area · 2
- MainMain office419 1st Ave S, Nitro, WV 25143Directions
- Cross Lanes102 Lakeview Dr, Cross Lanes, WV 25313Directions
Huntington area · 1
- People FCU Eleanor900 Roosevelt Boulevard, Eleanor, WV 25070Directions
Point Pleasant area · 1
- Point Pleasant2101 Jackson Ave, Point Pleasant, WV 25550Directions
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 | 16.53% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 2.19% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.99% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $86 | $76 | — |
- CapitalNet worth ratio16.53%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late2.19%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.99%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$86Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Peoples Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.