West Virginia
South Charlesto, WV · Charter 17057 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$141.6MAssets
$76.8MLoans
$114.2MShares
$26.2MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 83% of credit unions under $1B in assets (rank 293 of 1683).
- Widest gap: nonperforming loans / loans trails 54% of credit unions under $1B in assets (rank 908 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.40%
Rank 293 of 1,683
Net Interest Margin
3.82%
Rank 847 of 1,683
Efficiency Ratio
68.59%
Rank 411 of 1,682
Equity / Assets
18.52%
Rank 304 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.40% | 0.35% | 0.74% | 1.18% | Beats 83% | 293 / 1,683 | |
| Return on Equity | 7.54% | 2.67% | 5.89% | 8.74% | Beats 65% | 580 / 1,681 | |
| Net Interest Margin | 3.82% | 3.31% | 3.82% | 4.32% | Beats 50% | 847 / 1,683 | |
| Efficiency Ratio | 68.59% | 68.91% | 78.20% | 86.93% | Beats 76% | 411 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.74% | 0.26% | 0.65% | 1.29% | Beats 46% | 908 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.52% | 10.44% | 12.89% | 16.53% | Beats 82% | 304 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.52% | 10.44% | 12.89% | 16.53% | Beats 82% | 304 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 67.26% | 52.61% | 69.38% | 83.50% | 46th pctl | 912 / 1,683 | |
| Loans / Assets | 54.25% | 44.71% | 59.18% | 70.72% | 41st pctl | 991 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |