Element
Charleston, WV · Charter 23162 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$47.3MAssets
$28.6MLoans
$36.6MShares
$10.3MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 96% of credit unions under $1B in assets (rank 61 of 1683).
- Widest gap: nonperforming loans / loans trails 77% of credit unions under $1B in assets (rank 1289 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.90%
Rank 682 of 1,683
Net Interest Margin
5.55%
Rank 61 of 1,683
Efficiency Ratio
86.29%
Rank 1,237 of 1,682
Equity / Assets
21.81%
Rank 168 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.90% | 0.35% | 0.74% | 1.18% | Beats 59% | 682 / 1,683 | | |
| Return on Equity | 4.13% | 2.67% | 5.89% | 8.74% | Beats 36% | 1,072 / 1,681 | | |
| Net Interest Margin | 5.55% | 3.31% | 3.82% | 4.32% | Beats 96% | 61 / 1,683 | | |
| Efficiency Ratio | 86.29% | 68.91% | 78.20% | 86.93% | Beats 27% | 1,237 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.38% | 0.26% | 0.65% | 1.29% | Beats 23% | 1,289 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 21.81% | 10.44% | 12.89% | 16.53% | Beats 90% | 168 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 21.81% | 10.44% | 12.89% | 16.53% | Beats 90% | 168 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.12% | 52.61% | 69.38% | 83.50% | 66th pctl | 572 / 1,683 | | |
| Loans / Assets | 60.49% | 44.71% | 59.18% | 70.72% | 53rd pctl | 792 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |