Appalachian Power Employees

HUNTINGTON, WV · 1 · Charter #1463 · www.appalachianpowerefcu.vir
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
$5.4M
26th percentile
Members
838
31th percentile
Total loans
$3.4M
33th percentile
Total shares
$4.0M
25th percentile

Profitability

Return on assets
0.18%
22th percentile
Net interest margin
3.24%
25th percentile
Efficiency ratio
63.93%
56th percentile
Non-interest income ratio
1.25%
16th percentile

Capital & Risk

Net worth ratio
25.19%
86th percentile
Delinquency rate
2.78%
17th percentile
Net charge-off rate
-0.00%
90th percentile
Loan-to-share
84.35%
82th percentile

Growth

Member growth YoY
-2.44%
39th percentile
Asset growth YoY
-2.31%
28th percentile
Loan growth YoY
-6.16%
36th percentile
Share growth YoY
-3.39%
27th percentile

Operations

Members / branch
838
40th percentile
Assets / member
$6,448
26th percentile
Field of membership penetration
67.04%
83th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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