MCDOWELL COUNTY
Charter #18950 · Welch, WV · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 32 sits at the 2nd percentile of structural peers — worth a closer look.
- Net worth ratio of 24.41% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 15th 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 | MCDOWELL COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 66,264 | 1th pct | 3th pct |
| Members | 32 | 1th pct | 2th pct |
| Net worth ratio | 24.41% | 73th pct | 75th pct |
| Return on average assets | 1.61% | 85th pct | 72th pct |
| Net interest margin | 3.31% | 27th pct | 52th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 20.19% | 11th pct | 59th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 15th pct |
| Loan growth YoY | 19.52% | 96th pct | 81th pct |
| Share growth YoY | -0.91% | 42th pct | 54th pct |
| Efficiency ratio | 51.39% | 10th pct | 15th pct |
structural peer set hash: 38b66a21b231be2a3898d6841ccb0395… (reproducible)
Closest structural peers
This is the free public view
Claim MCDOWELL COUNTY
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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.