CHARLESTON POSTAL
Charter #24743 · CHARLESTON, WV · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 664 sits at the 23rd percentile of structural peers — worth a closer look.
- Net worth ratio of 8.19% sits at the 13th percentile of structural peers — worth a closer look.
- Return on average assets of -2.12% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 5.84% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.20% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
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 | CHARLESTON POSTAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.08M | 60th pct | 23th pct |
| Members | 664 | 57th pct | 23th pct |
| Net worth ratio | 8.19% | 7th pct | 13th pct |
| Return on average assets | -2.12% | 10th pct | 7th pct |
| Net interest margin | 5.84% | 89th pct | 98th pct |
| Cost of funds | 0.20% | 29th pct | 25th pct |
| Loan-to-share | 51.36% | 41th pct | 51th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 7.92% | 97th pct | 97th pct |
| Loan growth YoY | -15.28% | 13th pct | 5th pct |
| Share growth YoY | -0.36% | 46th pct | 36th pct |
| Efficiency ratio | 95.94% | 66th pct | 62th pct |
structural peer set hash: 7d540bb312806abf26f5815239bf4fc2… (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.