CAMC
Charter #22657 · Charleston, WV · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 28.15% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.78% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.09% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.36% sits at the 75th percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 14th percentile but its structural peers at the 30th — a 16-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 | CAMC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $79.22M | 67th pct | 62th pct |
| Members | 5,121 | 52th pct | 67th pct |
| Net worth ratio | 28.15% | 99th pct | 97th pct |
| Return on average assets | 1.78% | 92th pct | 85th pct |
| Net interest margin | 3.89% | 60th pct | 62th pct |
| Cost of funds | 0.80% | 41th pct | 43th pct |
| Loan-to-share | 61.71% | 52th pct | 43th pct |
| Delinquency 60+ days | 0.09% | 11th pct | 13th pct |
| Net charge-off ratio | 0.36% | 61th pct | 75th pct |
| Loan growth YoY | -1.94% | 46th pct | 43th pct |
| Share growth YoY | 3.57% | 60th pct | 57th pct |
| Efficiency ratio | 62.45% | 14th pct | 30th pct |
structural peer set hash: 2a5ad1da64f496bf30eaa70e1f6117d1… (reproducible)
Closest structural peers
This is the free public view
Claim CAMC
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.