The State
Charleston, WV · Charter 67222 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)
NCUA · 2 branches
Q2 2026
$95.3MAssets
$53.9MLoans
$75.7MShares
$18.2MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 82% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 11 of 60).
- Widest gap: net interest margin trails 60% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 36 of 60).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.27%
Rank 11 of 60
Net Interest Margin
3.72%
Rank 36 of 60
Efficiency Ratio
69.33%
Rank 14 of 60
Equity / Assets
19.12%
Rank 16 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.27% | 0.02% | 0.62% | 0.99% | Beats 82% | 11 / 60 | | |
| Return on Equity | 6.62% | 0.12% | 4.17% | 8.32% | Beats 67% | 20 / 60 | | |
| Net Interest Margin | 3.72% | 3.36% | 3.95% | 4.45% | Beats 40% | 36 / 60 | | |
| Efficiency Ratio | 69.33% | 70.09% | 78.52% | 92.77% | Beats 78% | 14 / 60 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.25% | 0.82% | 1.91% | Beats 75% | 16 / 60 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.12% | 11.15% | 14.35% | 19.86% | Beats 73% | 16 / 60 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.12% | 11.15% | 14.35% | 19.86% | Beats 73% | 16 / 60 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.17% | 51.31% | 60.45% | 81.20% | 63rd pctl | 22 / 60 | | |
| Loans / Assets | 56.50% | 41.11% | 52.43% | 68.66% | 57th pctl | 26 / 60 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |