Natrium Employees
Proctor, WV · Charter 24090 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$12.0MAssets
$7.3MLoans
$10.5MShares
$1.5MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 99% of credit unions under $1B in assets (rank 18 of 1681).
- Widest gap: nonperforming loans / loans trails 56% of credit unions under $1B in assets (rank 943 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
2.24%
Rank 51 of 1,683
Net Interest Margin
4.76%
Rank 227 of 1,683
Efficiency Ratio
54.25%
Rank 107 of 1,682
Equity / Assets
12.41%
Rank 928 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.24% | 0.35% | 0.74% | 1.18% | Beats 97% | 51 / 1,683 | |
| Return on Equity | 18.02% | 2.67% | 5.89% | 8.74% | Beats 99% | 18 / 1,681 | |
| Net Interest Margin | 4.76% | 3.31% | 3.82% | 4.32% | Beats 87% | 227 / 1,683 | |
| Efficiency Ratio | 54.25% | 68.91% | 78.20% | 86.93% | Beats 94% | 107 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.78% | 0.26% | 0.65% | 1.29% | Beats 44% | 943 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.41% | 10.44% | 12.89% | 16.53% | Beats 45% | 928 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.41% | 10.44% | 12.89% | 16.53% | Beats 45% | 928 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 69.83% | 52.61% | 69.38% | 83.50% | 51st pctl | 831 / 1,683 | |
| Loans / Assets | 61.06% | 44.71% | 59.18% | 70.72% | 54th pctl | 770 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |