APPALACHIAN POWER EMPLOYEES
Charter #1463 · HUNTINGTON, WV · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.22% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 2.12% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.09% sits at the 89th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 67th percentile but its structural peers at the 31st — a 36-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 | APPALACHIAN POWER EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.59M | 67th pct | 31th pct |
| Members | 838 | 73th pct | 46th pct |
| Net worth ratio | 24.44% | 73th pct | 72th pct |
| Return on average assets | 0.31% | 46th pct | 39th pct |
| Net interest margin | 3.22% | 25th pct | 15th pct |
| Cost of funds | 2.12% | 90th pct | 85th pct |
| Loan-to-share | 80.88% | 79th pct | 70th pct |
| Delinquency 60+ days | 0.78% | 49th pct | 56th pct |
| Net charge-off ratio | 1.09% | 87th pct | 89th pct |
| Loan growth YoY | 4.96% | 88th pct | 92th pct |
| Share growth YoY | 3.33% | 73th pct | 70th pct |
| Efficiency ratio | 90.55% | 57th pct | 67th pct |
structural peer set hash: 1bf2d19a1763a7d341f72a3298f524a5… (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.