Raleigh Co. Educators

BECKLEY, WV · 1 · Charter #23722 · www.raleighcountyefcu.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
$21.3M
64th percentile
Members
2,288
73th percentile
Total loans
$8.7M
60th percentile
Total shares
$15.8M
60th percentile

Profitability

Return on assets
1.17%
66th percentile
Net interest margin
3.69%
39th percentile
Efficiency ratio
61.71%
61th percentile
Non-interest income ratio
12.32%
60th percentile

Capital & Risk

Net worth ratio
25.45%
87th percentile
Delinquency rate
0.62%
53th percentile
Net charge-off rate
0.23%
49th percentile
Loan-to-share
55.07%
42th percentile

Growth

Member growth YoY
-0.52%
60th percentile
Asset growth YoY
0.75%
47th percentile
Loan growth YoY
0.41%
64th percentile
Share growth YoY
-0.21%
45th percentile

Operations

Members / branch
1,144
52th percentile
Assets / member
$9,324
51th percentile
Field of membership penetration
65.37%
81th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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