City of Fairmont
Fairmont, WV · Charter 18142 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$1.4MAssets
$898KLoans
$1.2MShares
$150KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 97% of credit unions under $1B in assets (rank 44 of 1683).
- Widest gap: nonperforming loans / loans trails 99% of credit unions under $1B in assets (rank 1670 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.45%
Rank 270 of 1,683
Net Interest Margin
5.93%
Rank 44 of 1,683
Efficiency Ratio
51.22%
Rank 71 of 1,682
Equity / Assets
10.85%
Rank 1,187 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.45% | 0.35% | 0.74% | 1.18% | Beats 84% | 270 / 1,683 | | |
| Return on Equity | 13.33% | 2.67% | 5.89% | 8.74% | Beats 95% | 82 / 1,681 | | |
| Net Interest Margin | 5.93% | 3.31% | 3.82% | 4.32% | Beats 97% | 44 / 1,683 | | |
| Efficiency Ratio | 51.22% | 68.91% | 78.20% | 86.93% | Beats 96% | 71 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 9.24% | 0.26% | 0.65% | 1.29% | Beats 1% | 1,670 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.85% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,187 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.85% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,187 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.01% | 52.61% | 69.38% | 83.50% | 57th pctl | 726 / 1,683 | | |
| Loans / Assets | 64.93% | 44.71% | 59.18% | 70.72% | 63rd pctl | 631 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |