ROMNEY
Charter #10301 · ROMNEY, WV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.58% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 2.12% sits at the 75th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.46% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.31% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 66.89% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
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 | ROMNEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.02M | 17th pct | 59th pct |
| Members | 1,621 | 29th pct | 44th pct |
| Net worth ratio | 9.58% | 15th pct | 16th pct |
| Return on average assets | 0.91% | 64th pct | 64th pct |
| Net interest margin | 4.18% | 66th pct | 44th pct |
| Cost of funds | 2.12% | 92th pct | 75th pct |
| Loan-to-share | 87.23% | 92th pct | 80th pct |
| Delinquency 60+ days | 1.46% | 78th pct | 75th pct |
| Net charge-off ratio | 2.31% | 96th pct | 97th pct |
| Loan growth YoY | 0.42% | 73th pct | 62th pct |
| Share growth YoY | -1.10% | 18th pct | 26th pct |
| Efficiency ratio | 66.89% | 20th pct | 21th pct |
structural peer set hash: 96734a82d307a66f85eab0c81307999e… (reproducible)
Closest structural peers
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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.