CAPE
Charter #24841 · Clarksburg, WV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,165 sits at the 8th percentile of structural peers — worth a closer look.
- Net worth ratio of 8.20% sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of -1.40% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 0.21% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.74% sits at the 85th percentile of structural peers — worth a closer look.
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 | CAPE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $15.71M | 23th pct | 7th pct |
| Members | 1,165 | 11th pct | 8th pct |
| Net worth ratio | 8.20% | 6th pct | 10th pct |
| Return on average assets | -1.40% | 5th pct | 2th pct |
| Net interest margin | 3.50% | 34th pct | 41th pct |
| Cost of funds | 0.21% | 15th pct | 16th pct |
| Loan-to-share | 34.79% | 15th pct | 23th pct |
| Delinquency 60+ days | 1.74% | 82th pct | 85th pct |
| Net charge-off ratio | -0.20% | 6th pct | 3th pct |
| Loan growth YoY | -6.52% | 20th pct | 13th pct |
| Share growth YoY | 1.17% | 37th pct | 28th pct |
| Efficiency ratio | 84.93% | 62th pct | 59th pct |
structural peer set hash: 3d01bebc968a08f9819e084a32b1a4ee… (reproducible)
Closest structural peers
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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.