NATIONAL EMPLOYEES
Charter #5713 · BLUEFIELD, WV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,956 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.08% sits at the 16th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.86% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 101.53% sits at the 89th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 19th percentile but its structural peers at the 49th — 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 | NATIONAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.30M | 19th pct | 49th pct |
| Members | 2,956 | 74th pct | 85th pct |
| Net worth ratio | 13.61% | 50th pct | 46th pct |
| Return on average assets | -0.08% | 16th pct | 16th pct |
| Net interest margin | 4.56% | 80th pct | 74th pct |
| Cost of funds | 0.86% | 51th pct | 48th pct |
| Loan-to-share | 69.57% | 70th pct | 54th pct |
| Delinquency 60+ days | 0.59% | 50th pct | 61th pct |
| Net charge-off ratio | 0.86% | 82th pct | 79th pct |
| Loan growth YoY | -3.75% | 40th pct | 38th pct |
| Share growth YoY | -0.52% | 23th pct | 21th pct |
| Efficiency ratio | 101.53% | 90th pct | 89th pct |
structural peer set hash: 606b5fc29ef0159f631cd3f1209ed85c… (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.