MARION COUNTY SCHOOL EMPLOYEES
Charter #22428 | WV
<100M
(2596 CUs)
Micro
($0-$500M)
63 <100M in WV
MARION COUNTY SCHOOL EMPLOYEES has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.78% above tier average
- + Net Interest Margin 0.94% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.5% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
820
-6.5% YoY-1.0% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
Bottom 23.7% in tier |
| Assets |
$9.1M
+3.2% YoY-4.7% QoQ
|
$-20.8M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
30th in tier |
| Loans |
$3.0M
-7.7% YoY+1.6% QoQ
|
$-12.7M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 24.2% in tier |
| Deposits |
$7.1M
+2.5% YoY-5.8% QoQ
|
$-18.3M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
30th in tier |
| ROA |
1.5%
+96.3% YoY+3.9% QoQ
|
+0.8% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
Top 20.9% in tier |
| NIM |
4.9%
+10.1% YoY+5.6% QoQ
|
+0.9% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Top 17.0% in tier |
| Efficiency Ratio |
59.6%
-21.7% YoY-2.8% QoQ
|
-21.8% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 13.6% in tier |
| Delinquency Rate |
0.5%
-44.9% YoY+23.5% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
42nd in tier |
| Loan To Share |
42.8%
-10.0% YoY+7.9% QoQ
|
-18.5% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
Bottom 22.5% in tier |
| AMR |
$12,410
+6.1% YoY-2.7% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
42nd in tier |
| CD Concentration |
9.0%
-2.4% YoY+4.8% QoQ
|
-15.4% |
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
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
354
Efficiency Ratio
profitability
Value:
59.63%
Peer Avg: 81.39%
#354 of 2596
Top 13.6% in <100M tier
442
Net Interest Margin (NIM)
profitability
Value:
4.87%
Peer Avg: 3.93%
#442 of 2596
Top 17.0% in <100M tier
461
Net Worth Ratio
risk
Value:
21.53%
Peer Avg: 16.43%
#461 of 2596
Top 17.7% in <100M tier
539
AMR Growth Rate
growth
Value:
6.11%
Peer Avg: 4.67%
#539 of 2596
Top 20.7% in <100M tier
542
Return on Assets (ROA)
profitability
Value:
1.46%
Peer Avg: 0.68%
#542 of 2596
Top 20.8% in <100M tier
Top Weaknesses (4 metrics)
2304
Member Growth Rate
growth
Value:
-6.50%
Peer Avg: 14.92%
#2304 of 2596
Bottom 11.3% in <100M tier
2008
Loan-to-Share Ratio
balance_sheet
Value:
42.76%
Peer Avg: 61.23%
#2008 of 2596
Bottom 22.7% in <100M tier
1981
Total Members
engagement
Value:
820
Peer Avg: 2,626
#1981 of 2596
Bottom 23.7% in <100M tier
1969
Total Loans
balance_sheet
Value:
$3.05M
Peer Avg: $15.77M
#1969 of 2596
Bottom 24.2% in <100M tier