WEST BRANCH VALLEY
Charter #7821 · WILLIAMSPORT, PA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.16% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 0.45% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 60th 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 | WEST BRANCH VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $50.66M | 2th pct | 21th pct |
| Members | 4,560 | 41th pct | 28th pct |
| Net worth ratio | 9.16% | 11th pct | 25th pct |
| Return on average assets | 0.64% | 45th pct | 56th pct |
| Net interest margin | 3.90% | 60th pct | 39th pct |
| Cost of funds | 0.45% | 21th pct | 11th pct |
| Loan-to-share | 70.21% | 68th pct | 56th pct |
| Delinquency 60+ days | 0.32% | 31th pct | 30th pct |
| Net charge-off ratio | 0.29% | 55th pct | 39th pct |
| Loan growth YoY | 6.06% | 94th pct | 90th pct |
| Share growth YoY | 2.80% | 49th pct | 31th pct |
| Efficiency ratio | 76.56% | 42th pct | 28th pct |
structural peer set hash: a1e964349222b0a8566d87e1ebaa8b47… (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.