Mercer County W Va Teachers

Bluefield, WV · 1 · Charter #9413 · www.mctfcu.virtualcu.net
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
$27.9M
74th percentile
Members
2,528
77th percentile
Total loans
$18.5M
86th percentile
Total shares
$23.3M
74th percentile

Profitability

Return on assets
1.31%
72th percentile
Net interest margin
3.31%
28th percentile
Efficiency ratio
38.87%
93th percentile
Non-interest income ratio
4.29%
31th percentile

Capital & Risk

Net worth ratio
8.88%
9th percentile
Delinquency rate
2.25%
22th percentile
Net charge-off rate
0.65%
26th percentile
Loan-to-share
79.41%
76th percentile

Growth

Member growth YoY
2.60%
87th percentile
Asset growth YoY
12.50%
95th percentile
Loan growth YoY
2.03%
70th percentile
Share growth YoY
13.10%
95th percentile

Operations

Members / branch
1,264
57th percentile
Assets / member
$11,024
65th percentile
Field of membership penetration
66.53%
82th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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