Raleigh Co. Educators
Beckley, WV · Charter 23722 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$21.3MAssets
$9.4MLoans
$15.5MShares
$5.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 95% of credit unions under $1B in assets (rank 81 of 1683).
- Widest gap: return on equity trails 46% of credit unions under $1B in assets (rank 780 of 1681).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.64%
Rank 190 of 1,683
Net Interest Margin
4.28%
Rank 448 of 1,683
Efficiency Ratio
64.37%
Rank 277 of 1,682
Equity / Assets
26.34%
Rank 81 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.64% | 0.35% | 0.74% | 1.18% | Beats 89% | 190 / 1,683 | |
| Return on Equity | 6.21% | 2.67% | 5.89% | 8.74% | Beats 54% | 780 / 1,681 | |
| Net Interest Margin | 4.28% | 3.31% | 3.82% | 4.32% | Beats 73% | 448 / 1,683 | |
| Efficiency Ratio | 64.37% | 68.91% | 78.20% | 86.93% | Beats 84% | 277 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.26% | 0.65% | 1.29% | Beats 90% | 175 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 26.34% | 10.44% | 12.89% | 16.53% | Beats 95% | 81 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 26.34% | 10.44% | 12.89% | 16.53% | Beats 95% | 81 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 60.45% | 52.61% | 69.38% | 83.50% | 35th pctl | 1,090 / 1,683 | |
| Loans / Assets | 44.18% | 44.71% | 59.18% | 70.72% | 24th pctl | 1,274 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |