Applications / Mortgage Analytics / Lenders / West Virginia / The State Credit Union / Competition
The State Credit Union
Charleston, WV · Credit union · NCUA · $92.6 million assets · 42 loans in 2025
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42
loans originated, 2025
42
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Who The State Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — CHARLESTON, WV, 2025
The State Credit Union ranks 40th of 157 lenders in Charleston, WV, with $2.1M lent: 0.4% of a $516.1M market.
Charleston, WV is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The State Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 53% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO WEST VIRGINIA, 2025
The State Credit Union ranks 118th of 299 lenders in non-metro West Virginia, with $1.3M lent: 0.1% of a $1.42B market.
non-metro West Virginia is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The State Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 40% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — HUNTINGTON-ASHLAND, KY-OH-WV, 2025
The State Credit Union ranks 117th of 237 lenders in Huntington-Ashland, KY-OH-WV, with $680K lent: 0.1% of a $1.12B market.
Huntington-Ashland, KY-OH-WV is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The State Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — BECKLEY, WV, 2025
The State Credit Union ranks 82nd of 137 lenders in Beckley, WV, with $315K lent: 0.1% of a $270.2M market.
Beckley, WV is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The State Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 59% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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The State Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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