WV NATIONAL GUARD
Charter #12938 · CHARLESTON, WV · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,806 sits at the 8th percentile of structural peers — worth a closer look.
- Return on average assets of 2.20% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.56% sits at the 80th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.07% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 44.84% ranks in the 0th 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 | WV NATIONAL GUARD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $51.87M | 6th pct | 51th pct |
| Members | 1,806 | 1th pct | 8th pct |
| Net worth ratio | 14.36% | 65th pct | 59th pct |
| Return on average assets | 2.20% | 97th pct | 95th pct |
| Net interest margin | 3.76% | 53th pct | 59th pct |
| Cost of funds | 1.56% | 82th pct | 80th pct |
| Loan-to-share | 57.04% | 44th pct | 44th pct |
| Delinquency 60+ days | 0.11% | 13th pct | 28th pct |
| Net charge-off ratio | -0.07% | 6th pct | 13th pct |
| Loan growth YoY | -6.30% | 11th pct | 18th pct |
| Share growth YoY | 0.97% | 28th pct | 28th pct |
| Efficiency ratio | 44.84% | 2th pct | 0th pct |
structural peer set hash: af9585eab96802d5efc6d42eb69ed24f… (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.