MORGANTOWN A E S
Charter #10695 · Morgantown, WV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,183 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.51% sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of 0.10% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 4.34% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.11% ranks in the 15th 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 | MORGANTOWN A E S | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $37.86M | 78th pct | 52th pct |
| Members | 4,183 | 92th pct | 80th pct |
| Net worth ratio | 9.51% | 14th pct | 16th pct |
| Return on average assets | 0.10% | 22th pct | 21th pct |
| Net interest margin | 4.34% | 73th pct | 84th pct |
| Cost of funds | 0.11% | 7th pct | 15th pct |
| Loan-to-share | 57.84% | 51th pct | 51th pct |
| Delinquency 60+ days | 0.67% | 54th pct | 67th pct |
| Net charge-off ratio | -0.42% | 2th pct | 0th pct |
| Loan growth YoY | -2.88% | 47th pct | 49th pct |
| Share growth YoY | -1.11% | 18th pct | 11th pct |
| Efficiency ratio | 86.97% | 66th pct | 66th pct |
structural peer set hash: e6206a7c78451f158e37b7c9deb8eab9… (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.