Local No. 317 I.A.F.F.

Charleston, WV · 2 · Charter #68113
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
$10.3M
42th percentile
Members
415
15th percentile
Total loans
$6.3M
51th percentile
Total shares
$9.3M
45th percentile

Profitability

Return on assets
0.53%
37th percentile
Net interest margin
1.84%
3th percentile
Efficiency ratio
25.82%
98th percentile
Non-interest income ratio
0.08%
6th percentile

Capital & Risk

Net worth ratio
8.50%
7th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
-0.43%
98th percentile
Loan-to-share
68.13%
60th percentile

Growth

Member growth YoY
0.24%
70th percentile
Asset growth YoY
5.09%
74th percentile
Loan growth YoY
2.71%
72th percentile
Share growth YoY
3.75%
68th percentile

Operations

Members / branch
415
19th percentile
Assets / member
$24,822
98th percentile
Field of membership penetration
83.00%
93th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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