WHITESVILLE COMMUNITY
Charter #62432 · Whitesville, KY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.36% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.25% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 82nd percentile but its structural peers at the 59th — a 23-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 | WHITESVILLE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $39.88M | 82th pct | 59th pct |
| Members | 2,810 | 71th pct | 51th pct |
| Net worth ratio | 11.48% | 31th pct | 48th pct |
| Return on average assets | 0.95% | 66th pct | 61th pct |
| Net interest margin | 4.36% | 74th pct | 89th pct |
| Cost of funds | 0.25% | 18th pct | 10th pct |
| Loan-to-share | 42.07% | 24th pct | 28th pct |
| Delinquency 60+ days | 0.29% | 35th pct | 38th pct |
| Net charge-off ratio | 0.03% | 40th pct | 31th pct |
| Loan growth YoY | 19.42% | 100th pct | 98th pct |
| Share growth YoY | 20.52% | 100th pct | 95th pct |
| Efficiency ratio | 80.73% | 51th pct | 61th pct |
structural peer set hash: 5f46b29a13df0551418213936ef4e5fd… (reproducible)
Closest structural peers
This is the free public view
Claim WHITESVILLE COMMUNITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.