CITY OF CLARKSBURG
Charter #13426 · CLARKSBURG, WV · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.64% sits at the 15th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -1.22% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 52nd — a 35-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 | CITY OF CLARKSBURG | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.16M | 88th pct | 52th pct |
| Members | 744 | 65th pct | 36th pct |
| Net worth ratio | 14.29% | 34th pct | 38th pct |
| Return on average assets | 0.23% | 42th pct | 33th pct |
| Net interest margin | 2.64% | 14th pct | 15th pct |
| Cost of funds | 0.73% | 57th pct | 48th pct |
| Loan-to-share | 31.20% | 20th pct | 25th pct |
| Delinquency 60+ days | 0.11% | 31th pct | 46th pct |
| Net charge-off ratio | -1.22% | 3th pct | 0th pct |
| Loan growth YoY | -8.95% | 32th pct | 34th pct |
| Share growth YoY | -2.61% | 30th pct | 20th pct |
| Efficiency ratio | 91.54% | 58th pct | 70th pct |
structural peer set hash: a17a235033480a6f8b93433b21637d88… (reproducible)
Closest structural peers
This is the free public view
Claim CITY OF CLARKSBURG
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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.