W. VIRGINIA STATE CONVENTION
Charter #68112 · Hilltop, WV · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.92% sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of 2.50% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.32% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 20th 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 | W. VIRGINIA STATE CONVENTION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 378,053 | 7th pct | 43th pct |
| Members | 195 | 15th pct | 48th pct |
| Net worth ratio | 8.92% | 9th pct | 16th pct |
| Return on average assets | 2.50% | 94th pct | 89th pct |
| Net interest margin | 2.32% | 10th pct | 18th pct |
| Cost of funds | 0.00% | 0th pct | 2th pct |
| Loan-to-share | 22.99% | 13th pct | 66th pct |
| Delinquency 60+ days | 0.32% | 37th pct | 55th pct |
| Net charge-off ratio | 0.00% | 22th pct | 20th pct |
| Loan growth YoY | 13.78% | 94th pct | 87th pct |
| Share growth YoY | -8.66% | 9th pct | 18th pct |
| Efficiency ratio | 1.33% | 1th pct | 3th pct |
structural peer set hash: b5bafb7925e238e4556c6640cbd86089… (reproducible)
Closest structural peers
This is the free public view
Claim W. VIRGINIA STATE CONVENTION
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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.