WEPCO
Charter #6685 · BLOOMINGTON, MD · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 42,117 ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 15.13% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.72% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.89% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 61.81% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
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 | WEPCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $397.29M | 89th pct | 77th pct |
| Members | 42,117 | 99th pct | 93th pct |
| Net worth ratio | 15.13% | 86th pct | 85th pct |
| Return on average assets | 1.72% | 93th pct | 87th pct |
| Net interest margin | 4.08% | 75th pct | 69th pct |
| Cost of funds | 1.24% | 52th pct | 39th pct |
| Loan-to-share | 75.31% | 56th pct | 41th pct |
| Delinquency 60+ days | 0.84% | 67th pct | 72th pct |
| Net charge-off ratio | 0.89% | 86th pct | 80th pct |
| Loan growth YoY | -0.45% | 42th pct | 28th pct |
| Share growth YoY | 5.67% | 77th pct | 62th pct |
| Efficiency ratio | 61.81% | 11th pct | 16th pct |
structural peer set hash: fac59953ed056f71e7ecee98a0000b7f… (reproducible)
Closest structural peers
This is the free public view
Claim WEPCO
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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.