The State
The State is a credit union based in Charleston, West Virginia, established in 1988, with $95 million in total assets serving 8,433 members. By Trust Grade it ranks 23rd of 73 credit unions we track in West Virginia. Its net worth ratio of 18.8% is stronger than 74% of similarly sized credit unions, versus a West Virginia median of 13.5%. It was profitable over the most recent period, with a 1.04% return on assets. No consumer complaints against The State appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The State compares to West Virginia peers
How we graded The State
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (18.8% capital ratio)
- Strongly profitable (ROA 1.04%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The State over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at The State insured?
Yes. The State is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The State: frequently asked questions
Is The State a good credit union?
The State earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (18.8% capital ratio); Strongly profitable (ROA 1.04%).
Is The State NCUA-insured?
Yes. The State is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is The State?
The State holds $95 million in total assets, ranking 23rd of 73 credit unions we track in West Virginia. It serves 8,433 members.
Does The State have CFPB complaints?
No CFPB complaints against The State appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
