LOCAL NO. 317 I.A.F.F.
Charter #68113 · Charleston, WV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 456 sits at the 3rd percentile of structural peers — worth a closer look.
- Net worth ratio of 9.62% sits at the 20th percentile of structural peers — worth a closer look.
- Return on average assets of 3.71% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.33% ranks in the 89th 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.
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 | LOCAL NO. 317 I.A.F.F. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.09M | 1th pct | 38th pct |
| Members | 456 | 0th pct | 3th pct |
| Net worth ratio | 9.62% | 15th pct | 20th pct |
| Return on average assets | 3.71% | 99th pct | 98th pct |
| Net interest margin | 5.33% | 95th pct | 89th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 70.72% | 71th pct | 62th pct |
| Delinquency 60+ days | 0.22% | 31th pct | 43th pct |
| Net charge-off ratio | 0.00% | 23th pct | 23th pct |
| Loan growth YoY | -1.65% | 56th pct | 59th pct |
| Share growth YoY | -0.60% | 22th pct | 16th pct |
| Efficiency ratio | 25.92% | 1th pct | 0th pct |
structural peer set hash: 6f4b033495fddb23afa9423b3041726d… (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.