RALEIGH CO. EDUCATORS
Charter #23722 · BECKLEY, WV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 25.51% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.02% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 40th percentile but its structural peers at the 70th — a 31-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 | RALEIGH CO. EDUCATORS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $21.59M | 40th pct | 70th pct |
| Members | 2,294 | 57th pct | 67th pct |
| Net worth ratio | 25.51% | 95th pct | 90th pct |
| Return on average assets | 1.45% | 84th pct | 74th pct |
| Net interest margin | 4.07% | 61th pct | 67th pct |
| Cost of funds | 1.02% | 59th pct | 59th pct |
| Loan-to-share | 56.10% | 48th pct | 57th pct |
| Delinquency 60+ days | 0.02% | 12th pct | 21th pct |
| Net charge-off ratio | 0.00% | 23th pct | 26th pct |
| Loan growth YoY | 3.60% | 89th pct | 87th pct |
| Share growth YoY | 0.39% | 29th pct | 28th pct |
| Efficiency ratio | 65.95% | 19th pct | 31th pct |
structural peer set hash: 7bd03f59cdb83e86d294af97ef4e8bc6… (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.