W S S C
Charter #16268 · Laurel, MD · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,319 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 10.24% sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of -0.18% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 5.32% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.16% sits at the 90th percentile of structural peers — worth a closer look.
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 | W S S C | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $34.96M | 72th pct | 57th pct |
| Members | 3,319 | 82th pct | 79th pct |
| Net worth ratio | 10.24% | 20th pct | 25th pct |
| Return on average assets | -0.18% | 14th pct | 10th pct |
| Net interest margin | 5.32% | 95th pct | 93th pct |
| Cost of funds | 0.84% | 49th pct | 66th pct |
| Loan-to-share | 58.86% | 52th pct | 49th pct |
| Delinquency 60+ days | 2.16% | 86th pct | 90th pct |
| Net charge-off ratio | 1.25% | 89th pct | 90th pct |
| Loan growth YoY | 1.35% | 79th pct | 70th pct |
| Share growth YoY | 2.02% | 45th pct | 38th pct |
| Efficiency ratio | 89.47% | 72th pct | 66th pct |
structural peer set hash: a58fd08c819bf924bdabe21dc6e1d3fe… (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.