WV National Guard
Charleston, WV · Charter 12938 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$51.6MAssets
$25.2MLoans
$43.8MShares
$7.6MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 96% of credit unions under $1B in assets (rank 63 of 1682).
- Widest gap: net interest margin trails 72% of credit unions under $1B in assets (rank 1219 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.82%
Rank 116 of 1,683
Net Interest Margin
3.38%
Rank 1,219 of 1,683
Efficiency Ratio
50.05%
Rank 63 of 1,682
Equity / Assets
14.81%
Rank 569 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.82% | 0.35% | 0.74% | 1.18% | Beats 93% | 116 / 1,683 | |
| Return on Equity | 12.31% | 2.67% | 5.89% | 8.74% | Beats 93% | 121 / 1,681 | |
| Net Interest Margin | 3.38% | 3.31% | 3.82% | 4.32% | Beats 28% | 1,219 / 1,683 | |
| Efficiency Ratio | 50.05% | 68.91% | 78.20% | 86.93% | Beats 96% | 63 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 92% | 134 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.81% | 10.44% | 12.89% | 16.53% | Beats 66% | 569 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.81% | 10.44% | 12.89% | 16.53% | Beats 66% | 569 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 57.45% | 52.61% | 69.38% | 83.50% | 31st pctl | 1,158 / 1,683 | |
| Loans / Assets | 48.81% | 44.71% | 59.18% | 70.72% | 32nd pctl | 1,149 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |