Fairmont
Fairmont, WV · Charter 3439 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
$603.1MAssets
$382.1MLoans
$542.4MShares
$58.5MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 76% of credit unions under $1B in assets (rank 409 of 1681).
- Widest gap: net interest margin trails 86% of credit unions under $1B in assets (rank 1439 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.86%
Rank 727 of 1,683
Net Interest Margin
3.03%
Rank 1,439 of 1,683
Efficiency Ratio
78.43%
Rank 857 of 1,682
Equity / Assets
9.71%
Rank 1,395 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.86% | 0.35% | 0.74% | 1.18% | Beats 57% | 727 / 1,683 | | |
| Return on Equity | 8.86% | 2.67% | 5.89% | 8.74% | Beats 76% | 409 / 1,681 | | |
| Net Interest Margin | 3.03% | 3.31% | 3.82% | 4.32% | Beats 14% | 1,439 / 1,683 | | |
| Efficiency Ratio | 78.43% | 68.91% | 78.20% | 86.93% | Beats 49% | 857 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.69% | 0.26% | 0.65% | 1.29% | Beats 48% | 869 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.71% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,395 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.71% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,395 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.44% | 52.61% | 69.38% | 83.50% | 52nd pctl | 815 / 1,683 | | |
| Loans / Assets | 63.35% | 44.71% | 59.18% | 70.72% | 59th pctl | 686 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |