The State

CHARLESTON, WV · 2 · Charter #67222 · WWW.WVPECU.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
$92.6M
40th percentile
Members
8,408
57th percentile
Total loans
$51.9M
42th percentile
Total shares
$74.2M
36th percentile

Profitability

Return on assets
1.70%
85th percentile
Net interest margin
3.95%
66th percentile
Efficiency ratio
53.14%
77th percentile
Non-interest income ratio
13.31%
31th percentile

Capital & Risk

Net worth ratio
19.03%
92th percentile
Delinquency rate
0.06%
96th percentile
Net charge-off rate
0.16%
73th percentile
Loan-to-share
69.97%
53th percentile

Growth

Member growth YoY
0.55%
65th percentile
Asset growth YoY
6.52%
73th percentile
Loan growth YoY
-2.65%
28th percentile
Share growth YoY
5.74%
69th percentile

Operations

Members / branch
4,204
73th percentile
Assets / member
$11,017
20th percentile
Field of membership penetration
21.02%
71th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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