West Virginia Central
Parkersburg, WV · Charter 24888 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$341.3MAssets
$229.1MLoans
$295.3MShares
$45.2MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 70% of credit unions under $1B in assets (rank 501 of 1682).
- Widest gap: net interest margin trails 87% of credit unions under $1B in assets (rank 1461 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.06%
Rank 539 of 1,683
Net Interest Margin
2.99%
Rank 1,461 of 1,683
Efficiency Ratio
71.08%
Rank 501 of 1,682
Equity / Assets
13.23%
Rank 780 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.35% | 0.74% | 1.18% | Beats 68% | 539 / 1,683 | |
| Return on Equity | 7.99% | 2.67% | 5.89% | 8.74% | Beats 69% | 516 / 1,681 | |
| Net Interest Margin | 2.99% | 3.31% | 3.82% | 4.32% | Beats 13% | 1,461 / 1,683 | |
| Efficiency Ratio | 71.08% | 68.91% | 78.20% | 86.93% | Beats 70% | 501 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.87% | 0.26% | 0.65% | 1.29% | Beats 40% | 1,013 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.23% | 10.44% | 12.89% | 16.53% | Beats 54% | 780 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.23% | 10.44% | 12.89% | 16.53% | Beats 54% | 780 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 77.57% | 52.61% | 69.38% | 83.50% | 65th pctl | 589 / 1,683 | |
| Loans / Assets | 67.11% | 44.71% | 59.18% | 70.72% | 67th pctl | 558 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |