HUNTINGTON WEST VA FIREMENS
Charter #795 | WV
<100M
(2596 CUs)
Micro
($0-$500M)
63 <100M in WV
HUNTINGTON WEST VA FIREMENS has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.63% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.66% above tier average
- - Share Certificate Concentration (%): Bottom 3.5% in tier
- - Fee Income Per Member: Bottom 4.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
645
+0.6% YoY-0.2% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
Bottom 17.9% in tier |
| Assets |
$5.7M
+7.4% YoY-0.5% QoQ
|
$-24.2M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 21.9% in tier |
| Loans |
$3.3M
-4.8% YoY-6.9% QoQ
|
$-12.5M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
26th in tier |
| Deposits |
$4.9M
+8.5% YoY-0.9% QoQ
|
$-20.5M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
Bottom 23.1% in tier |
| ROA |
1.3%
-8.5% YoY-0.1% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
74th in tier |
| NIM |
3.5%
-14.2% YoY+1.7% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
34th in tier |
| Efficiency Ratio |
62.5%
-3.0% YoY+1.1% QoQ
|
-18.9% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 17.5% in tier |
| Delinquency Rate |
2.2%
-1.8% YoY+508.3% QoQ
|
+0.7 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
Top 18.3% in tier |
| Loan To Share |
67.3%
-12.2% YoY-6.1% QoQ
|
+6.1% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
58th in tier |
| AMR |
$12,739
+2.1% YoY-3.3% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
44th in tier |
| CD Concentration |
49.4%
+14.4% YoY-0.0% QoQ
|
+25.0% |
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 (6 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
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
313
Deposit Growth Rate
growth
Value:
8.48%
Peer Avg: 16.80%
#313 of 2596
Top 12.0% in <100M tier
390
Asset Growth Rate
growth
Value:
7.36%
Peer Avg: 1.82%
#390 of 2596
Top 15.0% in <100M tier
455
Efficiency Ratio
profitability
Value:
62.47%
Peer Avg: 81.39%
#455 of 2596
Top 17.5% in <100M tier
Top Weaknesses (7 metrics)
2505
Share Certificate Concentration (%)
balance_sheet
Value:
49.41%
Peer Avg: 15.37%
#2505 of 2596
Bottom 3.5% in <100M tier
2477
Fee Income Per Member
profitability
Value:
$0.05
Peer Avg: $182.96
#2477 of 2596
Bottom 4.6% in <100M tier
2129
Total Members
engagement
Value:
645
Peer Avg: 2,626
#2129 of 2596
Bottom 18.0% in <100M tier
2124
Members Per Employee (MPE)
engagement
Value:
215.000
Peer Avg: 365.701
#2124 of 2596
Bottom 18.2% in <100M tier
2121
Total Delinquency Rate (60+ days)
risk
Value:
2.17%
Peer Avg: 1.51%
#2121 of 2596
Bottom 18.3% in <100M tier
2027
Total Assets
balance_sheet
Value:
$5.69M
Peer Avg: $29.86M
#2027 of 2596
Bottom 22.0% in <100M tier
1997
Total Deposits
balance_sheet
Value:
$4.91M
Peer Avg: $25.45M
#1997 of 2596
Bottom 23.1% in <100M tier