Mercer County W VA Teachers
Bluefield, WV · Charter 9413 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$28.3MAssets
$18.3MLoans
$25.6MShares
$2.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 94% of credit unions under $1B in assets (rank 107 of 1681).
- Widest gap: equity / assets trails 87% of credit unions under $1B in assets (rank 1462 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.17%
Rank 424 of 1,683
Net Interest Margin
3.24%
Rank 1,311 of 1,683
Efficiency Ratio
59.15%
Rank 176 of 1,682
Equity / Assets
9.35%
Rank 1,462 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.35% | 0.74% | 1.18% | Beats 75% | 424 / 1,683 | |
| Return on Equity | 12.57% | 2.67% | 5.89% | 8.74% | Beats 94% | 107 / 1,681 | |
| Net Interest Margin | 3.24% | 3.31% | 3.82% | 4.32% | Beats 22% | 1,311 / 1,683 | |
| Efficiency Ratio | 59.15% | 68.91% | 78.20% | 86.93% | Beats 90% | 176 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.88% | 0.26% | 0.65% | 1.29% | Beats 15% | 1,427 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.35% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,462 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.35% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,462 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 71.46% | 52.61% | 69.38% | 83.50% | 54th pctl | 776 / 1,683 | |
| Loans / Assets | 64.61% | 44.71% | 59.18% | 70.72% | 62nd pctl | 641 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |