WCU CREDIT UNION
Charter #61150 · Decatur, AL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.05% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 0.08% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.15% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 92.69% sits at the 84th 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 | WCU CREDIT UNION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $35.16M | 73th pct | 70th pct |
| Members | 3,359 | 83th pct | 74th pct |
| Net worth ratio | 9.05% | 10th pct | 18th pct |
| Return on average assets | 0.37% | 34th pct | 28th pct |
| Net interest margin | 3.84% | 49th pct | 51th pct |
| Cost of funds | 0.08% | 6th pct | 8th pct |
| Loan-to-share | 53.50% | 44th pct | 54th pct |
| Delinquency 60+ days | 0.15% | 26th pct | 18th pct |
| Net charge-off ratio | 0.31% | 62th pct | 57th pct |
| Loan growth YoY | -1.42% | 58th pct | 51th pct |
| Share growth YoY | 4.76% | 72th pct | 64th pct |
| Efficiency ratio | 92.69% | 78th pct | 84th pct |
structural peer set hash: 7bc9bd88689ace4804b1ebd4a833f3c9… (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.