credit union · NCUA 23162 · WV
How big is ELEMENT?
ELEMENT (WV, NCUA charter 23162) reported total assets of $47.3M, 4,375 members and a net worth ratio of 21.80% in its Call Report for 2026Q2. That ranks 2437 of 4,299 federally insured credit unions by assets, 44 of 1,135 among credit unions with $10m-$50m in assets, 23 of 74 credit unions in west virginia.
What stands out
ELEMENT (WV, NCUA charter 23162) reported total assets of $47.3M, 4,375 members and a net worth ratio of 21.80% in its Call Report for 2026Q2. That ranks 2437 of 4,299 federally insured credit unions by assets, 44 of 1,135 among credit unions with $10m-$50m in assets, 23 of 74 credit unions in west virginia. Against its size class: net worth ratio 21.80%, above the peer median of 13.88%; loan-to-share ratio 78.12%, above the peer median of 57.77%; return on assets 0.90%, above the peer median of 0.70%. At 21.80% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $47.3M | $25.2M | $27.6M | $68.3M | record → |
| Shares and deposits | $36.6M | $21.4M | $23.8M | $58.3M | record → |
| Loans outstanding | $28.6M | $11.2M | $10.4M | $34.4M | record → |
| Net income (year to date) | $213.2k | $82.1k | $117.1k | $222.2k | record → |
| Net worth | $10.3M | $3.4M | $3.5M | $9.0M | record → |
| Net worth ratio | 21.80% | 13.88% | 13.43% | 12.65% | record → |
| Loan-to-share ratio | 78.12% | 57.77% | 60.24% | 68.70% | computed |
| Return on assets | 0.90% | 0.70% | 0.84% | 0.71% | computed |
| Members | 4,375 | 2,092 | 2,096 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $47.3M | $36.6M | $28.6M | $213.2k | 21.80% | 4,375 | 2437 |
| 2026Q1 | $51.0M | $39.8M | $29.3M | $195.0k | 20.16% | 4,401 | 2387 |
| 2025Q4 | $84.6M | $73.5M | $30.3M | $1.2M | 11.93% | 4,426 | 1971 |
| 2025Q3 | $81.5M | $70.5M | $31.0M | $1.1M | 12.30% | 4,424 | 2008 |
| 2025Q2 | $78.7M | $68.0M | $32.0M | $721.0k | 12.27% | 4,441 | 2038 |
| 2025Q1 | $73.9M | $63.6M | $32.8M | $364.6k | 12.52% | 4,514 | 2096 |
| 2024Q4 | $69.7M | $60.5M | $33.4M | $1.3M | 12.75% | 4,501 | 2148 |
| 2024Q3 | $67.8M | $58.9M | $33.9M | $773.3k | 12.35% | 4,498 | 2167 |
| 2024Q2 | $65.2M | $56.8M | $33.6M | $441.9k | 12.34% | 4,501 | 2213 |
| 2024Q1 | $60.6M | $52.3M | $33.1M | $201.7k | 12.88% | 4,458 | 2293 |
| 2023Q4 | $59.8M | $52.0M | $33.9M | $1.5M | 12.72% | 4,498 | 2291 |
| 2023Q3 | $52.2M | $45.0M | $34.5M | $739.6k | 13.18% | 4,509 | 2433 |
| 2023Q2 | $52.4M | $45.3M | $34.3M | $502.6k | 12.66% | 4,460 | 2436 |
| 2023Q1 | $55.1M | $48.1M | $33.8M | $277.3k | 11.63% | 4,432 | 2411 |
| 2022Q4 | $47.8M | $41.4M | $34.4M | $892.9k | 12.83% | 4,430 | 2541 |
| 2022Q3 | $49.2M | $41.4M | $34.3M | $667.0k | 12.01% | 4,429 | 2532 |
| 2022Q2 | $47.1M | $40.6M | $32.3M | $389.3k | 11.94% | 4,399 | 2576 |
| 2022Q1 | $44.1M | $38.3M | $31.1M | $206.8k | 12.34% | 4,417 | 2648 |
| 2021Q4 | $41.9M | $36.3M | $30.4M | $732.4k | 12.52% | 4,403 | 2688 |
| 2021Q3 | $40.7M | $35.2M | $30.3M | $492.4k | 12.29% | 4,399 | 2718 |
| 2021Q2 | $41.1M | $35.6M | $29.2M | $283.8k | 11.67% | 4,400 | 2700 |
| 2021Q1 | $45.2M | $40.1M | $27.9M | $166.8k | 10.35% | 4,377 | 2618 |
| 2020Q4 | $48.3M | $43.5M | $29.1M | $283.3k | 9.34% | 4,387 | 2501 |
| 2020Q3 | $52.2M | $47.3M | $29.1M | $289.3k | 8.62% | 5,254 | 2382 |
| 2020Q2 | $53.3M | $48.5M | $28.9M | $206.3k | 8.28% | 4,396 | 2347 |
| 2020Q1 | $54.8M | $50.1M | $29.1M | $122.2k | 7.91% | 4,380 | 2276 |
| 2019Q4 | $35.9M | $31.5M | $29.9M | $250.8k | 11.73% | 4,422 | 2668 |
| 2019Q3 | $36.4M | $31.9M | $29.9M | $160.0k | 11.30% | 4,485 | 2648 |
| 2019Q2 | $35.2M | $30.8M | $28.8M | $109.2k | 11.57% | 4,471 | 2704 |
| 2019Q1 | $35.3M | $30.9M | $29.2M | $63.5k | 11.39% | 4,490 | 2712 |
| 2018Q4 | $32.9M | $28.8M | $29.3M | $278.3k | 12.03% | 4,477 | 2766 |
| 2018Q3 | $33.2M | $28.8M | $28.7M | $203.2k | 11.69% | 4,474 | 2772 |
| 2018Q2 | $32.4M | $28.3M | $28.0M | $98.9k | 11.65% | 4,455 | 2821 |
| 2018Q1 | $32.0M | $28.0M | $27.2M | $34.3k | 11.59% | 4,395 | 2840 |
| 2017Q4 | $31.3M | $27.4M | $27.4M | $123.1k | 11.77% | 4,356 | 2837 |
| 2017Q3 | $31.6M | $27.4M | $27.1M | $78.1k | 11.52% | 4,321 | 2846 |
| 2017Q2 | $30.1M | $26.1M | $26.5M | $58.9k | 12.02% | 4,471 | 2930 |
| 2017Q1 | $31.2M | $27.3M | $25.6M | $29.0k | 11.50% | 4,506 | 2894 |
| 2016Q4 | $30.6M | $26.7M | $26.1M | $78.2k | 11.61% | 4,507 | 2885 |
| 2016Q3 | $30.9M | $26.9M | $26.3M | $52.7k | 11.43% | 4,601 | 2880 |
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