Union Trades
Parkersburg, WV · Charter 21100 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$34.4MAssets
$9.6MLoans
$27.9MShares
$6.3MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 82% of credit unions under $1B in assets (rank 306 of 1683).
- Widest gap: nonperforming loans / loans trails 63% of credit unions under $1B in assets (rank 1063 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.04%
Rank 560 of 1,683
Net Interest Margin
4.03%
Rank 646 of 1,683
Efficiency Ratio
77.03%
Rank 779 of 1,682
Equity / Assets
18.44%
Rank 306 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.35% | 0.74% | 1.18% | Beats 67% | 560 / 1,683 | | |
| Return on Equity | 5.62% | 2.67% | 5.89% | 8.74% | Beats 47% | 886 / 1,681 | | |
| Net Interest Margin | 4.03% | 3.31% | 3.82% | 4.32% | Beats 62% | 646 / 1,683 | | |
| Efficiency Ratio | 77.03% | 68.91% | 78.20% | 86.93% | Beats 54% | 779 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.92% | 0.26% | 0.65% | 1.29% | Beats 37% | 1,063 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.44% | 10.44% | 12.89% | 16.53% | Beats 82% | 306 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.44% | 10.44% | 12.89% | 16.53% | Beats 82% | 306 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 34.33% | 52.61% | 69.38% | 83.50% | 7th pctl | 1,562 / 1,683 | | |
| Loans / Assets | 27.92% | 44.71% | 59.18% | 70.72% | 6th pctl | 1,574 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |