Raleigh County
Beckley, WV · Charter 7790 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$21.6MAssets
$10.6MLoans
$18.7MShares
$2.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 69% of credit unions under $1B in assets (rank 518 of 1682).
- Widest gap: efficiency ratio trails 68% of credit unions under $1B in assets (rank 1148 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.58%
Rank 1,031 of 1,683
Net Interest Margin
4.12%
Rank 581 of 1,683
Efficiency Ratio
84.16%
Rank 1,148 of 1,682
Equity / Assets
12.57%
Rank 896 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.58% | 0.35% | 0.74% | 1.18% | Beats 39% | 1,031 / 1,683 | |
| Return on Equity | 4.65% | 2.67% | 5.89% | 8.74% | Beats 41% | 995 / 1,681 | |
| Net Interest Margin | 4.12% | 3.31% | 3.82% | 4.32% | Beats 65% | 581 / 1,683 | |
| Efficiency Ratio | 84.16% | 68.91% | 78.20% | 86.93% | Beats 32% | 1,148 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.35% | 0.26% | 0.65% | 1.29% | Beats 69% | 518 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.57% | 10.44% | 12.89% | 16.53% | Beats 47% | 896 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.57% | 10.44% | 12.89% | 16.53% | Beats 47% | 896 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 56.77% | 52.61% | 69.38% | 83.50% | 30th pctl | 1,171 / 1,683 | |
| Loans / Assets | 49.27% | 44.71% | 59.18% | 70.72% | 32nd pctl | 1,140 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |