C C M H
Charter #21057 · Parkersburg, WV · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.42% sits at the 11th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 105.85% sits at the 85th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 79th percentile but its structural peers at the 44th — a 35-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 | C C M H | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.23M | 62th pct | 30th pct |
| Members | 935 | 79th pct | 44th pct |
| Net worth ratio | 11.84% | 21th pct | 31th pct |
| Return on average assets | -0.42% | 24th pct | 11th pct |
| Net interest margin | 4.13% | 53th pct | 49th pct |
| Cost of funds | 0.43% | 46th pct | 26th pct |
| Loan-to-share | 83.12% | 81th pct | 79th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 33th pct |
| Loan growth YoY | -2.20% | 64th pct | 56th pct |
| Share growth YoY | 0.23% | 51th pct | 36th pct |
| Efficiency ratio | 105.85% | 78th pct | 85th pct |
structural peer set hash: 8f6f296cdfb79082efeed534775d97ca… (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.