OHIO COUNTY PUBLIC SCHOOLS
Charter #19881 | WV
<100M
(2596 CUs)
Micro
($0-$500M)
63 <100M in WV
OHIO COUNTY PUBLIC SCHOOLS has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.70% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + 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 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.23% below tier average
- - Efficiency ratio 9.28% above tier (higher cost structure)
- - Member decline: -8.1% YoY
- - Member Growth Rate: Bottom 8.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
620
-8.1% YoY-9.4% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
Bottom 17.1% in tier |
| Assets |
$5.8M
-0.3% YoY-5.0% QoQ
|
$-24.1M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 22.2% in tier |
| Loans |
$2.7M
+3.6% YoY+1.7% QoQ
|
$-13.0M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 22.0% in tier |
| Deposits |
$5.0M
-1.7% YoY-1.5% QoQ
|
$-20.4M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
Bottom 23.5% in tier |
| ROA |
0.5%
-56.0% YoY-14.1% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
34th in tier |
| NIM |
4.6%
+3.5% YoY-0.4% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Top 22.5% in tier |
| Efficiency Ratio |
90.7%
+19.6% YoY+1.6% QoQ
|
+9.3% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
Top 22.1% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
54.2%
+5.4% YoY+3.3% QoQ
|
-7.1% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
39th in tier |
| AMR |
$12,488
+9.0% YoY+9.9% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
43rd 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 (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
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
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
294
AMR Growth Rate
growth
Value:
8.99%
Peer Avg: 4.67%
#294 of 2596
Top 11.3% in <100M tier
585
Net Interest Margin (NIM)
profitability
Value:
4.63%
Peer Avg: 3.93%
#585 of 2596
Top 22.5% in <100M tier
Top Weaknesses (7 metrics)
2377
Member Growth Rate
growth
Value:
-8.15%
Peer Avg: 14.92%
#2377 of 2596
Bottom 8.5% in <100M tier
2162
Members Per Employee (MPE)
engagement
Value:
206.667
Peer Avg: 365.701
#2162 of 2596
Bottom 16.8% in <100M tier
2151
Total Members
engagement
Value:
620
Peer Avg: 2,626
#2151 of 2596
Bottom 17.2% in <100M tier
2025
Total Loans
balance_sheet
Value:
$2.72M
Peer Avg: $15.77M
#2025 of 2596
Bottom 22.0% in <100M tier
2023
Efficiency Ratio
profitability
Value:
90.67%
Peer Avg: 81.39%
#2023 of 2596
Bottom 22.1% in <100M tier
2020
Total Assets
balance_sheet
Value:
$5.76M
Peer Avg: $29.86M
#2020 of 2596
Bottom 22.2% in <100M tier
1987
Total Deposits
balance_sheet
Value:
$5.02M
Peer Avg: $25.45M
#1987 of 2596
Bottom 23.5% in <100M tier