South Charleston Employees
South Charlesto, WV · Charter 16989 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$14.2MAssets
$4.6MLoans
$5.7MShares
$8.5MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 100% of credit unions under $1B in assets (rank 3 of 1683).
- Widest gap: nonperforming loans / loans trails 94% of credit unions under $1B in assets (rank 1585 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.74%
Rank 836 of 1,683
Net Interest Margin
3.67%
Rank 978 of 1,683
Efficiency Ratio
78.07%
Rank 833 of 1,682
Equity / Assets
59.78%
Rank 3 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.35% | 0.74% | 1.18% | Beats 50% | 836 / 1,683 | | |
| Return on Equity | 1.25% | 2.67% | 5.89% | 8.74% | Beats 17% | 1,403 / 1,681 | | |
| Net Interest Margin | 3.67% | 3.31% | 3.82% | 4.32% | Beats 42% | 978 / 1,683 | | |
| Efficiency Ratio | 78.07% | 68.91% | 78.20% | 86.93% | Beats 51% | 833 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.53% | 0.26% | 0.65% | 1.29% | Beats 6% | 1,585 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 59.78% | 10.44% | 12.89% | 16.53% | Beats 100% | 3 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 59.78% | 10.44% | 12.89% | 16.53% | Beats 100% | 3 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.36% | 52.61% | 69.38% | 83.50% | 72nd pctl | 475 / 1,683 | | |
| Loans / Assets | 32.62% | 44.71% | 59.18% | 70.72% | 10th pctl | 1,512 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |