Willow Island
Willow Island is a credit union based in Saint Marys, West Virginia, established in 1953, with $12 million in total assets serving 1,701 members. By Trust Grade it ranks 73rd of 73 credit unions we track in West Virginia. Its net worth ratio of 7.3% trails most similarly sized credit unions (3th percentile), versus a West Virginia median of 13.5%. It posted a loss over the most recent period (-3.03% return on assets), a point to watch. No consumer complaints against Willow Island appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Willow Island compares to West Virginia peers
How we graded Willow Island
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.3% capital ratio)
- Unprofitable over the period (ROA -3.03%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Willow Island over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Willow Island insured?
Yes. Willow Island 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.
Willow Island: frequently asked questions
Is Willow Island a good credit union?
Willow Island earns a Bankzia Trust Grade of F (56/100, "Below average"), based on a financial-strength score of 56/100 (it has no CFPB complaints on record). Well-capitalized (7.3% capital ratio); Unprofitable over the period (ROA -3.03%).
Is Willow Island NCUA-insured?
Yes. Willow Island 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 Willow Island?
Willow Island holds $12 million in total assets, ranking 73rd of 73 credit unions we track in West Virginia. It serves 1,701 members.
Does Willow Island have CFPB complaints?
No CFPB complaints against Willow Island 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.
