WVU EMPLOYEES
Charter #14611 | WV
<100M
(2596 CUs)
Micro
($0-$500M)
63 <100M in WV
WVU EMPLOYEES demonstrates 8 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.36% above tier average
- + Net Interest Margin 0.67% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.4% in tier
- + Members Per Employee (MPE): Top 3.7% in tier
- + Loan Growth Rate: Top 7.5% in tier
- + Total Members: Top 9.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,980
+3.2% YoY+0.7% QoQ
|
+3.4K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
Top 9.4% in tier |
| Assets |
$62.4M
+4.9% YoY-3.1% QoQ
|
+$32.5M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
Top 15.8% in tier |
| Loans |
$34.4M
+13.0% YoY+3.8% QoQ
|
+$18.6M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
Top 14.4% in tier |
| Deposits |
$47.5M
+1.7% YoY-4.8% QoQ
|
+$22.0M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
Top 19.4% in tier |
| ROA |
3.0%
+22.1% YoY+7.1% QoQ
|
+2.4% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
Top 2.1% in tier |
| NIM |
4.6%
+8.6% YoY+3.3% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Top 23.5% in tier |
| Efficiency Ratio |
41.1%
-7.0% YoY-1.7% QoQ
|
-40.3% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.4% in tier |
| Delinquency Rate |
0.5%
+97.8% YoY+9.1% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
42nd in tier |
| Loan To Share |
72.5%
+11.1% YoY+9.1% QoQ
|
+11.2% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
66th in tier |
| AMR |
$13,686
+2.9% YoY-2.0% QoQ
|
$-941 |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
50th in tier |
| CD Concentration |
14.7%
-1.5% YoY+2.5% QoQ
|
-9.7% |
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 (14 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
55
Return on Assets (ROA)
profitability
Value:
3.04%
Peer Avg: 0.68%
#55 of 2596
Top 2.1% in <100M tier
64
Efficiency Ratio
profitability
Value:
41.12%
Peer Avg: 81.39%
#64 of 2596
Top 2.4% in <100M tier
97
Members Per Employee (MPE)
engagement
Value:
747.500
Peer Avg: 365.701
#97 of 2596
Top 3.7% in <100M tier
195
Loan Growth Rate
growth
Value:
12.97%
Peer Avg: 59.01%
#195 of 2596
Top 7.5% in <100M tier
244
Total Members
engagement
Value:
5,980
Peer Avg: 2,626
#244 of 2596
Top 9.4% in <100M tier
298
Member Growth Rate
growth
Value:
3.21%
Peer Avg: 14.92%
#298 of 2596
Top 11.4% in <100M tier
353
Fee Income Per Member
profitability
Value:
$153.79
Peer Avg: $182.96
#353 of 2596
Top 13.6% in <100M tier
374
Total Loans
balance_sheet
Value:
$34.39M
Peer Avg: $15.77M
#374 of 2596
Top 14.4% in <100M tier
Top Weaknesses (1 metrics)
2131
Net Charge-Off Rate
risk
Value:
0.84%
Peer Avg: 0.57%
#2131 of 2596
Bottom 18.0% in <100M tier