W B H Employees

Paducah, KY · 1 · Charter #10274 · www.wbhfcu.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
$16.5M
56th percentile
Members
2,298
73th percentile
Total loans
$8.0M
58th percentile
Total shares
$14.0M
57th percentile

Profitability

Return on assets
0.92%
55th percentile
Net interest margin
5.16%
86th percentile
Efficiency ratio
79.00%
25th percentile
Non-interest income ratio
22.15%
86th percentile

Capital & Risk

Net worth ratio
14.74%
49th percentile
Delinquency rate
0.02%
83th percentile
Net charge-off rate
5.84%
1th percentile
Loan-to-share
56.77%
45th percentile

Growth

Member growth YoY
3.00%
89th percentile
Asset growth YoY
0.99%
49th percentile
Loan growth YoY
-17.41%
9th percentile
Share growth YoY
3.51%
67th percentile

Operations

Members / branch
2,298
83th percentile
Assets / member
$7,184
32th percentile
Field of membership penetration
32.83%
46th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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