W. Virginia State Convention
Hilltop, WV · Charter 68112 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$382KAssets
$90KLoans
$343KShares
$38KNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 100% of credit unions under $1B in assets (rank 3 of 1681).
- Widest gap: nonperforming loans / loans trails 96% of credit unions under $1B in assets (rank 1613 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
3.14%
Rank 12 of 1,683
Net Interest Margin
3.66%
Rank 981 of 1,683
Efficiency Ratio
28.57%
Rank 5 of 1,682
Equity / Assets
9.95%
Rank 1,355 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 3.14% | 0.35% | 0.74% | 1.18% | Beats 99% | 12 / 1,683 | | |
| Return on Equity | 31.58% | 2.67% | 5.89% | 8.74% | Beats 100% | 3 / 1,681 | | |
| Net Interest Margin | 3.66% | 3.31% | 3.82% | 4.32% | Beats 42% | 981 / 1,683 | | |
| Efficiency Ratio | 28.57% | 68.91% | 78.20% | 86.93% | Beats 100% | 5 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.44% | 0.26% | 0.65% | 1.29% | Beats 4% | 1,613 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.95% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,355 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.95% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,355 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 26.24% | 52.61% | 69.38% | 83.50% | 4th pctl | 1,623 / 1,683 | | |
| Loans / Assets | 23.56% | 44.71% | 59.18% | 70.72% | 5th pctl | 1,604 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |