CITY OF CLARKSBURG
Charter #13426 | WV
<100M
(2596 CUs)
Micro
($0-$500M)
63 <100M in WV
CITY OF CLARKSBURG has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Efficiency ratio 3.34% above tier (higher cost structure)
- - Loan Growth Rate: Bottom 3.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
757
-1.9% YoY-0.9% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
Bottom 21.6% in tier |
| Assets |
$8.3M
+0.3% YoY-1.8% QoQ
|
$-21.5M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
28th in tier |
| Loans |
$2.4M
-25.9% YoY-7.8% QoQ
|
$-13.4M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 20.0% in tier |
| Deposits |
$7.2M
-0.3% YoY-2.2% QoQ
|
$-18.3M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
30th in tier |
| ROA |
0.5%
-54.6% YoY-1.7% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
34th in tier |
| NIM |
3.0%
-14.5% YoY-1.2% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 17.0% in tier |
| Efficiency Ratio |
84.7%
+19.2% YoY+0.0% QoQ
|
+3.3% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
66th in tier |
| Delinquency Rate |
0.1%
-81.7% YoY
|
-1.4 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
Bottom 20.6% in tier |
| Loan To Share |
33.4%
-25.7% YoY-5.8% QoQ
|
-27.9% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
Bottom 12.8% in tier |
| AMR |
$12,638
-6.4% YoY-2.7% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
44th 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)
Top Strengths (5 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
11
Net Charge-Off Rate
risk
Value:
-1.31%
Peer Avg: 0.57%
#11 of 2596
Top 0.4% in <100M tier
537
Total Delinquency Rate (60+ days)
risk
Value:
0.10%
Peer Avg: 1.51%
#537 of 2596
Top 20.6% in <100M tier
Top Weaknesses (7 metrics)
2500
Loan Growth Rate
growth
Value:
-25.93%
Peer Avg: 59.01%
#2500 of 2596
Bottom 3.7% in <100M tier
2261
Loan-to-Share Ratio
balance_sheet
Value:
33.37%
Peer Avg: 61.23%
#2261 of 2596
Bottom 12.9% in <100M tier
2239
AMR Growth Rate
growth
Value:
-6.40%
Peer Avg: 4.67%
#2239 of 2596
Bottom 13.8% in <100M tier
2223
Fee Income Per Member
profitability
Value:
$5.02
Peer Avg: $182.96
#2223 of 2596
Bottom 14.4% in <100M tier
2155
Net Interest Margin (NIM)
profitability
Value:
2.96%
Peer Avg: 3.93%
#2155 of 2596
Bottom 17.0% in <100M tier
2076
Total Loans
balance_sheet
Value:
$2.39M
Peer Avg: $15.77M
#2076 of 2596
Bottom 20.1% in <100M tier
2034
Total Members
engagement
Value:
757
Peer Avg: 2,626
#2034 of 2596
Bottom 21.7% in <100M tier