Romney

ROMNEY, WV · 1 · Charter #10301 · www.romneyfcu.com
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
$14.3M
52th percentile
Members
1,600
55th percentile
Total loans
$11.0M
69th percentile
Total shares
$13.0M
55th percentile

Profitability

Return on assets
1.57%
81th percentile
Net interest margin
3.95%
49th percentile
Efficiency ratio
45.45%
88th percentile
Non-interest income ratio
8.81%
48th percentile

Capital & Risk

Net worth ratio
9.15%
11th percentile
Delinquency rate
1.24%
36th percentile
Net charge-off rate
0.09%
63th percentile
Loan-to-share
84.78%
82th percentile

Growth

Member growth YoY
4.44%
93th percentile
Asset growth YoY
8.51%
89th percentile
Loan growth YoY
1.64%
69th percentile
Share growth YoY
8.77%
89th percentile

Operations

Members / branch
1,600
67th percentile
Assets / member
$8,953
47th percentile
Field of membership penetration
4.00%
16th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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