WEST VIRGINIA CENTRAL
Charter #24888 · Parkersburg, WV · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 23,842 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.85% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.98% sits at the 7th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.09% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 54.40% ranks in the 2nd 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 | WEST VIRGINIA CENTRAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $336.65M | 79th pct | 64th pct |
| Members | 23,842 | 87th pct | 75th pct |
| Net worth ratio | 13.33% | 73th pct | 70th pct |
| Return on average assets | 1.85% | 95th pct | 93th pct |
| Net interest margin | 2.98% | 14th pct | 7th pct |
| Cost of funds | 1.65% | 75th pct | 70th pct |
| Loan-to-share | 76.06% | 58th pct | 46th pct |
| Delinquency 60+ days | 0.76% | 62th pct | 48th pct |
| Net charge-off ratio | 0.09% | 16th pct | 8th pct |
| Loan growth YoY | -0.32% | 43th pct | 34th pct |
| Share growth YoY | 5.92% | 80th pct | 67th pct |
| Efficiency ratio | 54.40% | 4th pct | 2th pct |
structural peer set hash: fe74d183c0e654ffc40a6ae35335c789… (reproducible)
Closest structural peers
This is the free public view
Claim WEST VIRGINIA CENTRAL
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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.