RALEIGH COUNTY
Charter #7790 | WV
<100M
(2596 CUs)
Micro
($0-$500M)
63 <100M in WV
RALEIGH COUNTY has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.27% above tier average
- + Net Interest Margin 0.65% 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: -2.8% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,032
-2.8% YoY0% QoQ
|
-593 |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
52nd in tier |
| Assets |
$19.6M
+2.4% YoY-0.9% QoQ
|
$-10.3M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
48th in tier |
| Loans |
$11.8M
-13.7% YoY-4.0% QoQ
|
$-3.9M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
55th in tier |
| Deposits |
$16.9M
+2.0% YoY-1.4% QoQ
|
$-8.6M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
48th in tier |
| ROA |
1.0%
+108.4% YoY+16.0% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
59th in tier |
| NIM |
4.6%
+10.0% YoY+0.8% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Top 24.2% in tier |
| Efficiency Ratio |
78.8%
-11.3% YoY-0.7% QoQ
|
-2.6% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
51st in tier |
| Delinquency Rate |
0.3%
+157.7% YoY-40.3% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
32nd in tier |
| Loan To Share |
70.2%
-15.4% YoY-2.7% QoQ
|
+9.0% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
63rd in tier |
| AMR |
$14,124
-2.4% YoY-2.5% QoQ
|
$-503 |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
53rd in tier |
| CD Concentration |
24.7%
+14.8% YoY+10.9% QoQ
|
+0.3% |
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 (4 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
367
Members Per Employee (MPE)
engagement
Value:
508.000
Peer Avg: 365.701
#367 of 2596
Top 14.1% in <100M tier
629
Net Interest Margin (NIM)
profitability
Value:
4.59%
Peer Avg: 3.93%
#629 of 2596
Top 24.2% in <100M tier
Top Weaknesses (2 metrics)
2256
Loan Growth Rate
growth
Value:
-13.73%
Peer Avg: 59.01%
#2256 of 2596
Bottom 13.1% in <100M tier
1959
Share Certificate Concentration (%)
balance_sheet
Value:
24.72%
Peer Avg: 15.37%
#1959 of 2596
Bottom 24.6% in <100M tier