THE STATE
Charter #67222 · CHARLESTON, WV · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,433 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.06% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.01% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 61st percentile but its structural peers at the 39th — a 21-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 | THE STATE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $94.88M | 93th pct | 85th pct |
| Members | 8,433 | 89th pct | 84th pct |
| Net worth ratio | 18.83% | 87th pct | 67th pct |
| Return on average assets | 1.05% | 68th pct | 51th pct |
| Net interest margin | 3.62% | 46th pct | 39th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 67.14% | 61th pct | 39th pct |
| Delinquency 60+ days | 0.06% | 7th pct | 8th pct |
| Net charge-off ratio | 0.01% | 18th pct | 23th pct |
| Loan growth YoY | -3.88% | 28th pct | 21th pct |
| Share growth YoY | 3.62% | 60th pct | 54th pct |
| Efficiency ratio | 73.50% | 33th pct | 51th pct |
structural peer set hash: 407f390e5d124a3a66f793096cf57309… (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.