WES
Charter #61233 · Willoughby, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,510 sits at the 25th percentile of structural peers — worth a closer look.
- Net worth ratio of 9.80% sits at the 16th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.44% sits at the 92nd percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 20th percentile but its structural peers at the 39th — a 19-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 | WES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.43M | 19th pct | 13th pct |
| Members | 1,510 | 25th pct | 25th pct |
| Net worth ratio | 9.80% | 17th pct | 16th pct |
| Return on average assets | 0.95% | 66th pct | 70th pct |
| Net interest margin | 4.09% | 62th pct | 74th pct |
| Cost of funds | 0.29% | 20th pct | 39th pct |
| Loan-to-share | 24.50% | 5th pct | 16th pct |
| Delinquency 60+ days | 1.44% | 77th pct | 92th pct |
| Net charge-off ratio | 0.00% | 37th pct | 38th pct |
| Loan growth YoY | -7.64% | 15th pct | 30th pct |
| Share growth YoY | 5.69% | 78th pct | 82th pct |
| Efficiency ratio | 73.25% | 34th pct | 31th pct |
structural peer set hash: 1b2c0b94a82a741aac1411c2364f0f7a… (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.