MEMBERS CHOICE WV
Charter #4969 · Charleston, WV · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 21.55% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.89% sits at the 13th percentile of structural peers — worth a closer look.
- On Return on average assets, the asset-size band puts this credit union at the 47th percentile but its structural peers at the 30th — a 18-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 | MEMBERS CHOICE WV | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $93.12M | 89th pct | 80th pct |
| Members | 5,991 | 66th pct | 69th pct |
| Net worth ratio | 21.55% | 93th pct | 85th pct |
| Return on average assets | 0.68% | 47th pct | 30th pct |
| Net interest margin | 2.89% | 13th pct | 13th pct |
| Cost of funds | 1.41% | 75th pct | 74th pct |
| Loan-to-share | 54.54% | 39th pct | 51th pct |
| Delinquency 60+ days | 0.63% | 50th pct | 61th pct |
| Net charge-off ratio | 0.30% | 57th pct | 61th pct |
| Loan growth YoY | -2.06% | 44th pct | 48th pct |
| Share growth YoY | 4.00% | 64th pct | 64th pct |
| Efficiency ratio | 78.76% | 47th pct | 61th pct |
structural peer set hash: 861161fa0907c6976272ef61b522c647… (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.