WILLOW ISLAND
Charter #8474 · Saint Marys, WV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.33% sits at the 8th percentile of structural peers — worth a closer look.
- Return on average assets of -3.11% sits at the 3rd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 11th percentile but its structural peers at the 38th — a 27-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 | WILLOW ISLAND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $12.33M | 11th pct | 38th pct |
| Members | 1,701 | 33th pct | 44th pct |
| Net worth ratio | 7.33% | 2th pct | 8th pct |
| Return on average assets | -3.11% | 2th pct | 3th pct |
| Net interest margin | 4.75% | 86th pct | 62th pct |
| Cost of funds | 1.48% | 77th pct | 54th pct |
| Loan-to-share | 84.27% | 89th pct | 74th pct |
| Delinquency 60+ days | 1.39% | 76th pct | 64th pct |
| Net charge-off ratio | 0.29% | 61th pct | 51th pct |
| Loan growth YoY | 2.80% | 86th pct | 82th pct |
| Share growth YoY | 5.59% | 78th pct | 66th pct |
| Efficiency ratio | 78.05% | 44th pct | 26th pct |
structural peer set hash: 2564522c48c54c7a18a1a5998a5bf79f… (reproducible)
Closest structural peers
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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.