ELEMENT
Charleston, WV · Federal Credit Union · Chartered in WV
Who can join
Community — open geographic area
Members
4,401
Net Worth Ratio
20.16%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$51.0M
Peer Group 4
Members
4,401
as of latest quarter
Net Worth Ratio
20.16%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$51.0M
Total Shares
$39.8M
Total Loans
$29.3M
Net Income
$195K
Net Worth Ratio
20.16%
≥7% = Well Capitalized
Members
4,401
Return on Assets
0.38%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.91%
$268K
Loan-to-share ratio: 73.8%· healthy range 60–80%
Branch Locations
NCUAKanawha City
3418 MacCorkle Ave SE, Charleston, WV, 25304
8:00 am - 4:30 pm T,W,Th 8:00 am - 5:30 pm M,F
Capitol Street
350 Capitol St Rm 156, Charleston, WV, 25301
8:30 am - 4:00 pm EST Monday - Friday
South Charleston
323 2nd Ave, South Charleston, WV, 25303-1213
8:00 am - 4:30 pm T,W,Th 8:00 am - 5:30 pm M,F
The Element Edge
1611 4th Ave, Charleston, WV, 25387
8:00 - 4:30 T,W,Th 8:00 - 5:30 M,F
Mortgage Lending (HMDA)
No HMDA mortgage lending data on record for this credit union.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/element" target="_blank" rel="noopener">View ELEMENT on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.