Romney
Romney, WV · Charter 10301 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$14.8MAssets
$11.1MLoans
$13.5MShares
$1.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 74% of credit unions under $1B in assets (rank 437 of 1681).
- Widest gap: equity / assets trails 88% of credit unions under $1B in assets (rank 1479 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.80%
Rank 784 of 1,683
Net Interest Margin
3.94%
Rank 726 of 1,683
Efficiency Ratio
70.00%
Rank 454 of 1,682
Equity / Assets
9.23%
Rank 1,479 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.35% | 0.74% | 1.18% | Beats 53% | 784 / 1,683 | | |
| Return on Equity | 8.62% | 2.67% | 5.89% | 8.74% | Beats 74% | 437 / 1,681 | | |
| Net Interest Margin | 3.94% | 3.31% | 3.82% | 4.32% | Beats 57% | 726 / 1,683 | | |
| Efficiency Ratio | 70.00% | 68.91% | 78.20% | 86.93% | Beats 73% | 454 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.05% | 0.26% | 0.65% | 1.29% | Beats 13% | 1,456 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.23% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,479 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.23% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,479 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.61% | 52.61% | 69.38% | 83.50% | 74th pctl | 439 / 1,683 | | |
| Loans / Assets | 74.92% | 44.71% | 59.18% | 70.72% | 83rd pctl | 287 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |