U S Employees

Fairmont, WV · 1 · Charter #6672
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$533.3K
4th percentile
Members
115
2th percentile
Total loans
$157.1K
5th percentile
Total shares
$233.3K
2th percentile

Profitability

Return on assets
-2.32%
3th percentile
Net interest margin
2.33%
7th percentile
Efficiency ratio
108.31%
4th percentile
Non-interest income ratio
0.40%
9th percentile

Capital & Risk

Net worth ratio
8.93%
9th percentile
Delinquency rate
4.26%
9th percentile
Net charge-off rate
-0.00%
91th percentile
Loan-to-share
67.34%
59th percentile

Growth

Member growth YoY
-4.96%
18th percentile
Asset growth YoY
-8.93%
7th percentile
Loan growth YoY
-30.82%
2th percentile
Share growth YoY
-55.52%
0th percentile

Operations

Members / branch
115
3th percentile
Assets / member
$4,637
14th percentile
Field of membership penetration
76.67%
89th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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