MARION COUNTY SCHOOL EMPLOYEES
Charter #22428 · Fairmont, WV · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.63% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.29% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 98th percentile but its structural peers at the 43rd — a 56-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 | MARION COUNTY SCHOOL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.71M | 98th pct | 43th pct |
| Members | 821 | 72th pct | 34th pct |
| Net worth ratio | 20.92% | 62th pct | 74th pct |
| Return on average assets | 1.28% | 80th pct | 66th pct |
| Net interest margin | 4.63% | 68th pct | 85th pct |
| Cost of funds | 0.29% | 38th pct | 16th pct |
| Loan-to-share | 38.22% | 27th pct | 34th pct |
| Delinquency 60+ days | 0.52% | 43th pct | 43th pct |
| Net charge-off ratio | 0.00% | 22th pct | 28th pct |
| Loan growth YoY | -4.53% | 54th pct | 59th pct |
| Share growth YoY | 6.81% | 88th pct | 85th pct |
| Efficiency ratio | 69.09% | 24th pct | 44th pct |
structural peer set hash: 4baa65eb489a8530b22125b7afc0e723… (reproducible)
Closest structural peers
This is the free public view
Claim MARION COUNTY SCHOOL EMPLOYEES
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.