167TH TFR
Charter #13028 · Martinsburg, WV · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,815 ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.41% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.27% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.05% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.49% sits at the 84th percentile of structural peers — worth a closer look.
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 | 167TH TFR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $72.20M | 51th pct | 66th pct |
| Members | 7,815 | 86th pct | 93th pct |
| Net worth ratio | 10.44% | 25th pct | 31th pct |
| Return on average assets | 1.41% | 82th pct | 80th pct |
| Net interest margin | 3.55% | 41th pct | 67th pct |
| Cost of funds | 0.27% | 12th pct | 15th pct |
| Loan-to-share | 15.97% | 1th pct | 5th pct |
| Delinquency 60+ days | 0.05% | 5th pct | 11th pct |
| Net charge-off ratio | 0.49% | 71th pct | 84th pct |
| Loan growth YoY | -8.01% | 6th pct | 13th pct |
| Share growth YoY | 4.97% | 73th pct | 75th pct |
| Efficiency ratio | 69.68% | 26th pct | 38th pct |
structural peer set hash: dd2317e095dfcb268cf0407bdd0b8e98… (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.