West Virginia

South Charlesto, WV · 1 · Charter #17057 · www.wvfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$138.8M
67th percentile
Members
7,249
47th percentile
Total loans
$77.0M
63th percentile
Total shares
$112.4M
63th percentile

Profitability

Return on assets
1.44%
74th percentile
Net interest margin
3.74%
55th percentile
Efficiency ratio
59.85%
59th percentile
Non-interest income ratio
19.27%
60th percentile

Capital & Risk

Net worth ratio
18.18%
90th percentile
Delinquency rate
0.93%
38th percentile
Net charge-off rate
0.16%
73th percentile
Loan-to-share
68.53%
51th percentile

Growth

Member growth YoY
-1.13%
43th percentile
Asset growth YoY
11.27%
91th percentile
Loan growth YoY
-0.16%
41th percentile
Share growth YoY
11.21%
91th percentile

Operations

Members / branch
3,625
61th percentile
Assets / member
$19,151
81th percentile
Field of membership penetration
1.67%
25th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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