WEST-AIRCOMM
Charter #6233 · Beaver, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 2.40% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 64.79% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 67th — a 16-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 | WEST-AIRCOMM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $374.73M | 86th pct | 75th pct |
| Members | 21,858 | 83th pct | 67th pct |
| Net worth ratio | 12.13% | 58th pct | 66th pct |
| Return on average assets | 0.96% | 67th pct | 66th pct |
| Net interest margin | 3.53% | 41th pct | 33th pct |
| Cost of funds | 1.48% | 66th pct | 64th pct |
| Loan-to-share | 76.34% | 59th pct | 48th pct |
| Delinquency 60+ days | 2.40% | 97th pct | 97th pct |
| Net charge-off ratio | 0.44% | 57th pct | 61th pct |
| Loan growth YoY | -2.86% | 18th pct | 11th pct |
| Share growth YoY | 2.83% | 41th pct | 39th pct |
| Efficiency ratio | 64.79% | 15th pct | 10th pct |
structural peer set hash: 7b486c3101041434c6c0f8446646aae9… (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.