UNION TRADES
Charter #21100 · Parkersburg, WV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.85% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.23% sits at the 77th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 51st — 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 | UNION TRADES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $35.08M | 73th pct | 51th pct |
| Members | 2,931 | 73th pct | 56th pct |
| Net worth ratio | 17.85% | 76th pct | 77th pct |
| Return on average assets | 1.23% | 77th pct | 70th pct |
| Net interest margin | 3.94% | 55th pct | 64th pct |
| Cost of funds | 0.76% | 46th pct | 64th pct |
| Loan-to-share | 33.59% | 14th pct | 33th pct |
| Delinquency 60+ days | 1.23% | 73th pct | 77th pct |
| Net charge-off ratio | 0.53% | 73th pct | 59th pct |
| Loan growth YoY | -10.08% | 7th pct | 5th pct |
| Share growth YoY | 5.55% | 78th pct | 84th pct |
| Efficiency ratio | 73.25% | 33th pct | 39th pct |
structural peer set hash: 066f280797f747dc5470580a6f9a15af… (reproducible)
Closest structural peers
This is the free public view
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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.