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Clarksburg, WV · Charter 6674 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$38.4MAssets
$24.4MLoans
$32.8MShares
$5.5MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 63% of credit unions under $1B in assets (rank 621 of 1683).
- Widest gap: nonperforming loans / loans trails 62% of credit unions under $1B in assets (rank 1041 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.62%
Rank 987 of 1,683
Net Interest Margin
3.87%
Rank 801 of 1,683
Efficiency Ratio
82.24%
Rank 1,045 of 1,682
Equity / Assets
14.33%
Rank 621 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.62% | 0.35% | 0.74% | 1.18% | Beats 41% | 987 / 1,683 | |
| Return on Equity | 4.33% | 2.67% | 5.89% | 8.74% | Beats 38% | 1,045 / 1,681 | |
| Net Interest Margin | 3.87% | 3.31% | 3.82% | 4.32% | Beats 52% | 801 / 1,683 | |
| Efficiency Ratio | 82.24% | 68.91% | 78.20% | 86.93% | Beats 38% | 1,045 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.89% | 0.26% | 0.65% | 1.29% | Beats 38% | 1,041 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.33% | 10.44% | 12.89% | 16.53% | Beats 63% | 621 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.33% | 10.44% | 12.89% | 16.53% | Beats 63% | 621 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 74.37% | 52.61% | 69.38% | 83.50% | 59th pctl | 686 / 1,683 | |
| Loans / Assets | 63.63% | 44.71% | 59.18% | 70.72% | 60th pctl | 677 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |