Willow Island

Saint Marys, WV · 1 · Charter #8474 · www.wifcu.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
$11.7M
46th percentile
Members
1,756
59th percentile
Total loans
$9.2M
63th percentile
Total shares
$10.3M
48th percentile

Profitability

Return on assets
-0.22%
12th percentile
Net interest margin
4.85%
79th percentile
Efficiency ratio
73.72%
36th percentile
Non-interest income ratio
21.48%
85th percentile

Capital & Risk

Net worth ratio
7.89%
5th percentile
Delinquency rate
2.82%
16th percentile
Net charge-off rate
1.14%
14th percentile
Loan-to-share
89.36%
87th percentile

Growth

Member growth YoY
1.92%
83th percentile
Asset growth YoY
-2.65%
26th percentile
Loan growth YoY
-5.04%
41th percentile
Share growth YoY
7.22%
85th percentile

Operations

Members / branch
585
27th percentile
Assets / member
$6,679
28th percentile
Field of membership penetration
63.85%
80th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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