ALDERSON FCI

Charter #10520 | WV

<100M (2596 CUs) Micro
63 <100M in WV

ALDERSON FCI has 5 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.30% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Efficiency Ratio: Top 1.4% in tier

Key Concerns

Areas that may need attention

  • - Delinquency rate 3.18% above tier average
  • - Member decline: -8.3% YoY
  • - Total Delinquency Rate (60+ days): Bottom 6.6% in tier
  • - Member Growth Rate: Bottom 8.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Members 692
-8.3% YoY+0.7% QoQ
 -1.9K 2,625
-2.2% YoY
 5,095
+0.6% YoY
 33,089
+6.1% YoY
 Bottom 19.5% in tier
Assets $8.5M
+2.7% YoY+0.1% QoQ
 $-21.3M $29.9M
+1.1% YoY
 $68.6M
+3.5% YoY
 $547.7M
+7.8% YoY
 29th in tier
Loans $5.4M
-7.4% YoY-0.9% QoQ
 $-10.4M $15.8M
-2.4% YoY
 $38.2M
+0.9% YoY
 $388.7M
+8.6% YoY
 36th in tier
Deposits $6.4M
+0.8% YoY-0.6% QoQ
 $-19.0M $25.5M
+0.4% YoY
 $58.7M
+3.0% YoY
 $464.6M
+9.3% YoY
 28th in tier
ROA 2.0%
-32.5% YoY-0.9% QoQ
 +1.3% 0.7%
-731.4% YoY
 1.0%
+49.4% YoY
 0.7%
+273.4% YoY
 Top 9.2% in tier
NIM 3.1%
-19.2% YoY-0.4% QoQ
 -0.9% 3.9%
+3.8% YoY
 3.9%
+3.9% YoY
 3.7%
+5.0% YoY
 Bottom 19.7% in tier
Efficiency Ratio 33.4%
+57.7% YoY+0.5% QoQ
 -48.0% 81.4%
-2.4% YoY
 72.7%
-3.2% YoY
 79.1%
-3.3% YoY
 Bottom 1.4% in tier
Delinquency Rate 4.7%
-9.4% YoY-21.5% QoQ
 +3.2 1.5%
-2.0% YoY
 1.3%
-29.4% YoY
 1.2%
-0.9% YoY
 Top 6.6% in tier
Loan To Share 83.7%
-8.2% YoY-0.4% QoQ
 +22.5% 61.2%
-3.0% YoY
 60.8%
-6.8% YoY
 68.0%
-1.7% YoY
 Top 18.3% in tier
AMR $17,005
+5.7% YoY-1.5% QoQ
 +$2K $14,627
-2.7% YoY
 $14,844
+2.4% YoY
 $19,418
+1.3% YoY
 67th in tier
CD Concentration 0.0% -24.4% 24.4%
+4.2% YoY
 16.2%
+7.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.3%
-13.6% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 2596 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 15.37%
#1 of 2596 Top 0.0% in <100M tier
37
Efficiency Ratio
profitability
Value: 33.40%
Peer Avg: 81.39%
#37 of 2596 Top 1.4% in <100M tier
240
Return on Assets (ROA)
profitability
Value: 1.99%
Peer Avg: 0.68%
#240 of 2596 Top 9.2% in <100M tier
317
Net Worth Ratio
risk
Value: 24.19%
Peer Avg: 16.43%
#317 of 2596 Top 12.2% in <100M tier
472
Loan-to-Share Ratio
balance_sheet
Value: 83.73%
Peer Avg: 61.23%
#472 of 2596 Top 18.1% in <100M tier
513
Loan-to-Member Ratio (LMR)
engagement
Value: $7,749
Peer Avg: $5,488
#513 of 2596 Top 19.7% in <100M tier
591
AMR Growth Rate
growth
Value: 5.70%
Peer Avg: 4.67%
#591 of 2596 Top 22.7% in <100M tier

Top Weaknesses (5 metrics)

2426
Total Delinquency Rate (60+ days)
risk
Value: 4.68%
Peer Avg: 1.51%
#2426 of 2596 Bottom 6.6% in <100M tier
2388
Member Growth Rate
growth
Value: -8.34%
Peer Avg: 14.92%
#2388 of 2596 Bottom 8.1% in <100M tier
2258
Fee Income Per Member
profitability
Value: $4.02
Peer Avg: $182.96
#2258 of 2596 Bottom 13.1% in <100M tier
2089
Total Members
engagement
Value: 692
Peer Avg: 2,626
#2089 of 2596 Bottom 19.6% in <100M tier
2085
Net Interest Margin (NIM)
profitability
Value: 3.05%
Peer Avg: 3.93%
#2085 of 2596 Bottom 19.7% in <100M tier