RAVENSWOOD
Charter #13321 · RAVENSWOOD, WV · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.77% sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of 0.23% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 1.01% sits at the 75th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.37% sits at the 95th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 4th percentile but its structural peers at the 41st — a 37-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 | RAVENSWOOD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $51.28M | 4th pct | 41th pct |
| Members | 5,443 | 57th pct | 59th pct |
| Net worth ratio | 8.77% | 9th pct | 11th pct |
| Return on average assets | 0.23% | 23th pct | 21th pct |
| Net interest margin | 3.28% | 28th pct | 28th pct |
| Cost of funds | 1.01% | 56th pct | 75th pct |
| Loan-to-share | 37.54% | 11th pct | 33th pct |
| Delinquency 60+ days | 2.37% | 96th pct | 95th pct |
| Net charge-off ratio | 0.17% | 41th pct | 34th pct |
| Loan growth YoY | -4.65% | 21th pct | 28th pct |
| Share growth YoY | 11.97% | 98th pct | 98th pct |
| Efficiency ratio | 87.22% | 72th pct | 72th pct |
structural peer set hash: 442ba7f4c79272f79f3b5c3631aa99f9… (reproducible)
Closest structural peers
This is the free public view
Claim RAVENSWOOD
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.