Credit union · NCUA insured
Romney Federal Credit Union
A $14M credit union headquartered in Romney, WV, with 1,621 members and 1 branch in West Virginia. Best rates: CDs 3.77% and savings 0.25% APY.
Romney Federal Credit Union Carrot Score
85
Carrot Score
Higher than 69% of U.S. banks and credit unions
#3 of 12 in Winchester, VA-WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Romney Federal Credit Union
Founded in 1954 by John J. Bruce, Romney Federal Credit Union is headquartered in Romney, West Virginia.
The member-owned financial cooperative serves more than 1,100 member-owners throughout Hampshire, Hardy, Mineral, Morgan, and Grant counties in West Virginia.
- Headquarters
- 62 W Main St, Romney, WV 26757-1638
- NCUA charter
- 10301
Branches
1 branch in West Virginia
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West Virginia
1 branch
- Romney Federal Credit UnionMain office62 W Main St, Romney, WV 26757Directions
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 | 9.23% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.05% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.81% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $83 | $59 | — |
- CapitalNet worth ratio9.23%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.05%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.81%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$83Peers’ 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 Romney 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.