CITY OF FAIRMONT
Charter #18142 · Fairmont, WV · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 336 sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 5.67% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 9.82% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.05% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 41.92% 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 | CITY OF FAIRMONT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.38M | 23th pct | 8th pct |
| Members | 336 | 28th pct | 7th pct |
| Net worth ratio | 10.26% | 15th pct | 28th pct |
| Return on average assets | 0.53% | 54th pct | 57th pct |
| Net interest margin | 5.67% | 88th pct | 90th pct |
| Cost of funds | 1.10% | 69th pct | 67th pct |
| Loan-to-share | 67.45% | 61th pct | 48th pct |
| Delinquency 60+ days | 9.82% | 94th pct | 97th pct |
| Net charge-off ratio | -0.05% | 17th pct | 18th pct |
| Loan growth YoY | -4.45% | 54th pct | 43th pct |
| Share growth YoY | -0.43% | 46th pct | 30th pct |
| Efficiency ratio | 41.92% | 6th pct | 2th pct |
structural peer set hash: de716f3a1672591feed170acfe14b6a7… (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.