RALEIGH COUNTY
Charter #7790 · BECKLEY, WV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 1.41% sits at the 97th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 38th percentile but its structural peers at the 62nd — a 25-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 | RALEIGH COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $20.83M | 38th pct | 62th pct |
| Members | 2,053 | 48th pct | 54th pct |
| Net worth ratio | 12.76% | 43th pct | 34th pct |
| Return on average assets | 0.63% | 49th pct | 41th pct |
| Net interest margin | 4.12% | 63th pct | 72th pct |
| Cost of funds | 1.09% | 62th pct | 64th pct |
| Loan-to-share | 59.78% | 54th pct | 48th pct |
| Delinquency 60+ days | 0.27% | 34th pct | 41th pct |
| Net charge-off ratio | 1.41% | 91th pct | 97th pct |
| Loan growth YoY | -8.89% | 10th pct | 8th pct |
| Share growth YoY | 7.03% | 87th pct | 75th pct |
| Efficiency ratio | 78.94% | 46th pct | 56th pct |
structural peer set hash: 7698e900627914efdcaa7c5e93378719… (reproducible)
Closest structural peers
This is the free public view
Claim RALEIGH COUNTY
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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.