WVU EMPLOYEES
Charter #14611 · Morgantown, WV · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 22.60% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.89% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.67% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.24% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 40.85% ranks in the 2nd 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 | WVU EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $66.67M | 42th pct | 62th pct |
| Members | 6,034 | 66th pct | 67th pct |
| Net worth ratio | 22.60% | 96th pct | 87th pct |
| Return on average assets | 2.89% | 100th pct | 97th pct |
| Net interest margin | 4.67% | 91th pct | 85th pct |
| Cost of funds | 0.92% | 50th pct | 62th pct |
| Loan-to-share | 69.00% | 65th pct | 54th pct |
| Delinquency 60+ days | 0.54% | 44th pct | 57th pct |
| Net charge-off ratio | 1.24% | 92th pct | 92th pct |
| Loan growth YoY | 1.93% | 79th pct | 82th pct |
| Share growth YoY | 7.06% | 88th pct | 85th pct |
| Efficiency ratio | 40.85% | 1th pct | 2th pct |
structural peer set hash: dfa8cccddd84d1314ce47ca55d739509… (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.