West Branch Valley

WILLIAMSPORT, PA · 1 · Charter #7821 · www.wbvfcu.org
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
$49.5M
100th percentile
Members
4,572
96th percentile
Total loans
$30.7M
98th percentile
Total shares
$44.7M
100th percentile

Profitability

Return on assets
1.12%
65th percentile
Net interest margin
3.75%
41th percentile
Efficiency ratio
71.14%
41th percentile
Non-interest income ratio
22.20%
86th percentile

Capital & Risk

Net worth ratio
9.06%
10th percentile
Delinquency rate
0.21%
70th percentile
Net charge-off rate
0.79%
22th percentile
Loan-to-share
68.63%
61th percentile

Growth

Member growth YoY
-1.10%
53th percentile
Asset growth YoY
0.98%
49th percentile
Loan growth YoY
17.88%
95th percentile
Share growth YoY
-0.33%
44th percentile

Operations

Members / branch
4,572
98th percentile
Assets / member
$10,830
63th percentile
Field of membership penetration
4.05%
16th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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