FAYETTE
Charter #12310 · MOUNT HOPE, WV · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 90th percentile but its structural peers at the 54th — a 36-point gap showing why the peer definition matters.
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 | FAYETTE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.54M | 90th pct | 54th pct |
| Members | 777 | 68th pct | 38th pct |
| Net worth ratio | 23.53% | 71th pct | 66th pct |
| Return on average assets | 0.22% | 42th pct | 34th pct |
| Net interest margin | 3.52% | 33th pct | 28th pct |
| Cost of funds | 1.07% | 68th pct | 54th pct |
| Loan-to-share | 55.97% | 47th pct | 54th pct |
| Delinquency 60+ days | 0.43% | 40th pct | 36th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | -4.65% | 53th pct | 56th pct |
| Share growth YoY | -2.61% | 30th pct | 16th pct |
| Efficiency ratio | 93.23% | 61th pct | 72th pct |
structural peer set hash: 64b55a7fa9a03c8b6c2ddfce472196cc… (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.