Willow Island
Saint Marys, WV · Charter 8474 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$12.0MAssets
$9.9MLoans
$11.0MShares
$949KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 91% of credit unions under $1B in assets (rank 153 of 1683).
- Widest gap: equity / assets trails 96% of credit unions under $1B in assets (rank 1623 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.40%
Rank 1,225 of 1,683
Net Interest Margin
4.95%
Rank 153 of 1,683
Efficiency Ratio
76.26%
Rank 741 of 1,682
Equity / Assets
7.93%
Rank 1,623 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.40% | 0.35% | 0.74% | 1.18% | Beats 27% | 1,225 / 1,683 | |
| Return on Equity | 5.06% | 2.67% | 5.89% | 8.74% | Beats 43% | 953 / 1,681 | |
| Net Interest Margin | 4.95% | 3.31% | 3.82% | 4.32% | Beats 91% | 153 / 1,683 | |
| Efficiency Ratio | 76.26% | 68.91% | 78.20% | 86.93% | Beats 56% | 741 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.72% | 0.26% | 0.65% | 1.29% | Beats 47% | 892 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.93% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,623 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.93% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,623 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 89.71% | 52.61% | 69.38% | 83.50% | 86th pctl | 241 / 1,683 | |
| Loans / Assets | 82.46% | 44.71% | 59.18% | 70.72% | 95th pctl | 90 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |