ELEMENT
Charter #23162 · Charleston, WV · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 20.16% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.59% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.40% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 3rd percentile but its structural peers at the 67th — a 64-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 | ELEMENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $51.02M | 3th pct | 67th pct |
| Members | 4,401 | 36th pct | 69th pct |
| Net worth ratio | 20.16% | 91th pct | 89th pct |
| Return on average assets | 1.15% | 72th pct | 70th pct |
| Net interest margin | 4.24% | 79th pct | 59th pct |
| Cost of funds | 1.59% | 84th pct | 77th pct |
| Loan-to-share | 73.82% | 75th pct | 38th pct |
| Delinquency 60+ days | 1.44% | 85th pct | 61th pct |
| Net charge-off ratio | -0.40% | 1th pct | 2th pct |
| Loan growth YoY | -5.37% | 16th pct | 38th pct |
| Share growth YoY | -43.59% | 0th pct | 0th pct |
| Efficiency ratio | 76.76% | 42th pct | 44th pct |
structural peer set hash: 993a01b033cb49d258d4c16523f6ebc9… (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.