IBEW 317
Charter #14030 · Huntington, WV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.56% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 1.74% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.20% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.11% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 67.14% ranks in the 16th 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 | IBEW 317 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $29.33M | 59th pct | 38th pct |
| Members | 1,957 | 44th pct | 38th pct |
| Net worth ratio | 11.07% | 27th pct | 30th pct |
| Return on average assets | 0.86% | 61th pct | 56th pct |
| Net interest margin | 2.56% | 7th pct | 10th pct |
| Cost of funds | 1.74% | 84th pct | 92th pct |
| Loan-to-share | 47.35% | 32th pct | 41th pct |
| Delinquency 60+ days | 1.20% | 72th pct | 85th pct |
| Net charge-off ratio | -0.11% | 9th pct | 15th pct |
| Loan growth YoY | -3.39% | 42th pct | 48th pct |
| Share growth YoY | 4.81% | 73th pct | 74th pct |
| Efficiency ratio | 67.14% | 21th pct | 16th pct |
structural peer set hash: 9204c6400036112ffe22e9d1e8425530… (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.