W B H EMPLOYEES
Charter #10274 · Paducah, KY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -2.15% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 4.70% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 4.61% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 106.61% sits at the 89th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | W B H EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.04M | 27th pct | 34th pct |
| Members | 2,315 | 58th pct | 49th pct |
| Net worth ratio | 13.78% | 51th pct | 59th pct |
| Return on average assets | -2.15% | 3th pct | 5th pct |
| Net interest margin | 4.70% | 84th pct | 84th pct |
| Cost of funds | 0.72% | 45th pct | 46th pct |
| Loan-to-share | 50.28% | 38th pct | 48th pct |
| Delinquency 60+ days | 0.71% | 56th pct | 49th pct |
| Net charge-off ratio | 4.61% | 99th pct | 97th pct |
| Loan growth YoY | -9.96% | 7th pct | 11th pct |
| Share growth YoY | 1.89% | 43th pct | 43th pct |
| Efficiency ratio | 106.61% | 92th pct | 89th pct |
structural peer set hash: 880e22f55e74a4d31c9e4bd23ad1f296… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.