SOUTH CHARLESTON EMPLOYEES
Charter #16989 · South Charlesto, WV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 58.91% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 19th percentile but its structural peers at the 82nd — a 63-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 | SOUTH CHARLESTON EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.40M | 19th pct | 82th pct |
| Members | 1,210 | 12th pct | 74th pct |
| Net worth ratio | 58.91% | 100th pct | 92th pct |
| Return on average assets | 0.68% | 51th pct | 51th pct |
| Net interest margin | 3.71% | 43th pct | 28th pct |
| Cost of funds | 0.87% | 52th pct | 64th pct |
| Loan-to-share | 80.59% | 85th pct | 48th pct |
| Delinquency 60+ days | 2.01% | 85th pct | 69th pct |
| Net charge-off ratio | 0.33% | 64th pct | 67th pct |
| Loan growth YoY | -0.28% | 68th pct | 69th pct |
| Share growth YoY | -6.84% | 2th pct | 10th pct |
| Efficiency ratio | 80.04% | 49th pct | 57th pct |
structural peer set hash: 785d0dddcbd10e2afc6a9592d1311c5e… (reproducible)
Closest structural peers
This is the free public view
Claim SOUTH CHARLESTON EMPLOYEES
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.