CHARLESTON
Charter #12922 · CHARLESTON, WV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.54% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.53% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 55.68% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 22nd percentile but its structural peers at the 52nd — a 30-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 | CHARLESTON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $15.34M | 22th pct | 52th pct |
| Members | 1,259 | 15th pct | 33th pct |
| Net worth ratio | 14.55% | 57th pct | 54th pct |
| Return on average assets | 1.54% | 87th pct | 82th pct |
| Net interest margin | 3.66% | 41th pct | 28th pct |
| Cost of funds | 1.53% | 79th pct | 75th pct |
| Loan-to-share | 72.71% | 74th pct | 57th pct |
| Delinquency 60+ days | 0.29% | 35th pct | 49th pct |
| Net charge-off ratio | 0.16% | 53th pct | 62th pct |
| Loan growth YoY | -1.50% | 58th pct | 54th pct |
| Share growth YoY | 6.05% | 81th pct | 70th pct |
| Efficiency ratio | 55.68% | 6th pct | 8th pct |
structural peer set hash: 4257dbe3468761616aa2f846d6a202bf… (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.