U S EMPLOYEES
Charter #6672 · Fairmont, WV · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 118 sits at the 3rd percentile of structural peers — worth a closer look.
- Net worth ratio of 8.80% sits at the 5th percentile of structural peers — worth a closer look.
- Return on average assets of -2.02% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 1.20% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 1.94% sits at the 90th 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 | U S EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 511,335 | 10th pct | 7th pct |
| Members | 118 | 6th pct | 3th pct |
| Net worth ratio | 8.80% | 9th pct | 5th pct |
| Return on average assets | -2.02% | 10th pct | 7th pct |
| Net interest margin | 1.20% | 2th pct | 2th pct |
| Cost of funds | 1.94% | 87th pct | 90th pct |
| Loan-to-share | 25.90% | 15th pct | 20th pct |
| Delinquency 60+ days | 3.50% | 81th pct | 93th pct |
| Net charge-off ratio | 0.00% | 22th pct | 19th pct |
| Loan growth YoY | -31.14% | 2th pct | 0th pct |
| Share growth YoY | -5.65% | 15th pct | 11th pct |
| Efficiency ratio | 422.19% | 99th pct | 98th pct |
structural peer set hash: 31b4160b59c2811b1c9deb5350fdf9b1… (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.