WILLOW ISLAND
Charter #8474 | WV
<100M
(2596 CUs)
Micro
($0-$500M)
63 <100M in WV
WILLOW ISLAND has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.85% 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
- - ROA 0.93% below tier average
- - Efficiency ratio 9.98% above tier (higher cost structure)
- - Delinquency rate 0.32% above tier average
- - Net Worth Ratio: Bottom 4.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,749
+2.5% YoY-0.1% QoQ
|
-876 |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
46th in tier |
| Assets |
$11.7M
+3.8% YoY-3.4% QoQ
|
$-18.1M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
36th in tier |
| Loans |
$9.4M
-3.2% YoY-2.3% QoQ
|
$-6.4M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
49th in tier |
| Deposits |
$10.8M
+5.4% YoY-1.4% QoQ
|
$-14.6M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
38th in tier |
| ROA |
-0.2%
-127.4% YoY+182.0% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.8% in tier |
| NIM |
4.8%
+2.6% YoY+4.4% QoQ
|
+0.9% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Top 18.5% in tier |
| Efficiency Ratio |
91.4%
+9.4% YoY+6.4% QoQ
|
+10.0% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
Top 21.0% in tier |
| Delinquency Rate |
1.8%
+206.9% YoY+70.2% QoQ
|
+0.3 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
Top 22.3% in tier |
| Loan To Share |
86.6%
-8.1% YoY-1.0% QoQ
|
+25.3% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
Top 14.8% in tier |
| AMR |
$11,533
-1.2% YoY-1.7% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
37th in tier |
| CD Concentration |
33.3%
+44.1% YoY-0.7% QoQ
|
+8.9% |
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
373
Member Growth Rate
growth
Value:
2.46%
Peer Avg: 14.92%
#373 of 2596
Top 14.3% in <100M tier
381
Loan-to-Share Ratio
balance_sheet
Value:
86.56%
Peer Avg: 61.23%
#381 of 2596
Top 14.6% in <100M tier
480
Net Interest Margin (NIM)
profitability
Value:
4.79%
Peer Avg: 3.93%
#480 of 2596
Top 18.5% in <100M tier
575
Deposit Growth Rate
growth
Value:
5.40%
Peer Avg: 16.80%
#575 of 2596
Top 22.1% in <100M tier
Top Weaknesses (6 metrics)
2489
Net Worth Ratio
risk
Value:
7.86%
Peer Avg: 16.43%
#2489 of 2596
Bottom 4.2% in <100M tier
2290
Return on Assets (ROA)
profitability
Value:
-0.25%
Peer Avg: 0.68%
#2290 of 2596
Bottom 11.8% in <100M tier
2249
Share Certificate Concentration (%)
balance_sheet
Value:
33.31%
Peer Avg: 15.37%
#2249 of 2596
Bottom 13.4% in <100M tier
2186
Net Charge-Off Rate
risk
Value:
0.92%
Peer Avg: 0.57%
#2186 of 2596
Bottom 15.8% in <100M tier
2051
Efficiency Ratio
profitability
Value:
91.38%
Peer Avg: 81.39%
#2051 of 2596
Bottom 21.0% in <100M tier
2018
Total Delinquency Rate (60+ days)
risk
Value:
1.83%
Peer Avg: 1.51%
#2018 of 2596
Bottom 22.3% in <100M tier