Morgantown A E S
Morgantown, WV · Charter 10695 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$37.7MAssets
$20.5MLoans
$33.7MShares
$3.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 75% of credit unions under $1B in assets (rank 427 of 1683).
- Widest gap: equity / assets trails 83% of credit unions under $1B in assets (rank 1390 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.43%
Rank 1,196 of 1,683
Net Interest Margin
4.31%
Rank 427 of 1,683
Efficiency Ratio
85.15%
Rank 1,192 of 1,682
Equity / Assets
9.73%
Rank 1,390 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.43% | 0.35% | 0.74% | 1.18% | Beats 29% | 1,196 / 1,683 | |
| Return on Equity | 4.47% | 2.67% | 5.89% | 8.74% | Beats 39% | 1,025 / 1,681 | |
| Net Interest Margin | 4.31% | 3.31% | 3.82% | 4.32% | Beats 75% | 427 / 1,683 | |
| Efficiency Ratio | 85.15% | 68.91% | 78.20% | 86.93% | Beats 29% | 1,192 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.26% | 0.65% | 1.29% | Beats 60% | 671 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.73% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,390 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.73% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,390 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 60.93% | 52.61% | 69.38% | 83.50% | 36th pctl | 1,075 / 1,683 | |
| Loans / Assets | 54.42% | 44.71% | 59.18% | 70.72% | 41st pctl | 987 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |