WEST VIRGINIA
Charter #17057 · South Charlesto, WV · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,168 sits at the 21st percentile of structural peers — worth a closer look.
- Net worth ratio of 17.83% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.48% sits at the 13th percentile of structural peers — worth a closer look.
- Efficiency ratio of 84.63% sits at the 89th percentile of structural peers — worth a closer look.
- On Return on average assets, the asset-size band puts this credit union at the 35th percentile but its structural peers at the 13th — a 22-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 | WEST VIRGINIA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $143.04M | 27th pct | 43th pct |
| Members | 7,168 | 13th pct | 21th pct |
| Net worth ratio | 17.83% | 95th pct | 89th pct |
| Return on average assets | 0.48% | 35th pct | 13th pct |
| Net interest margin | 3.70% | 53th pct | 57th pct |
| Cost of funds | 1.19% | 49th pct | 46th pct |
| Loan-to-share | 65.07% | 36th pct | 48th pct |
| Delinquency 60+ days | 0.60% | 49th pct | 51th pct |
| Net charge-off ratio | 0.25% | 37th pct | 48th pct |
| Loan growth YoY | -2.23% | 23th pct | 23th pct |
| Share growth YoY | 9.50% | 96th pct | 97th pct |
| Efficiency ratio | 84.63% | 71th pct | 89th pct |
structural peer set hash: 303975b28c21d6b511f939a7982f9776… (reproducible)
Closest structural peers
This is the free public view
Claim WEST VIRGINIA
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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.