West Virginia credit unions demonstrated financial resilience in Q3 2025, maintaining stable profitability with ROA at 0.96% despite ongoing member attrition of -1.55%. Net interest margin strengthened to 3.90% from 3.83% quarter-over-quarter and 3.76% year-over-year, supporting earnings amid challenging growth conditions. While loan portfolios contracted -3.88%, asset growth accelerated to 1.98% from 1.88% quarterly. Credit quality improved with delinquencies falling to 1.22% from 1.41% quarterly, though remaining elevated from 1.02% annually. Strong capital positions suggest capacity for strategic repositioning.
West Virginia Credit Unions
WV Credit Unions
2025-Q3
74 Credit Unions
WV Credit Unions Show Resilient Profitability Despite Member Decline and Loan Contraction
Key Insights
Year-over-Year Changes
Indirect Auto Concentration (%) (Absolute)
▼
2024-Q3
→
2025-Q3
2.61% → 2.25%
(-13.58%)
Share Certificate Concentration (%) (Absolute)
▲
2024-Q3
→
2025-Q3
15.03% → 16.21%
(+7.86%)
First Mortgage Concentration (%) (Absolute)
▲
2024-Q3
→
2025-Q3
12.15% → 12.73%
(+4.77%)
Net Worth Ratio (Absolute)
▲
2024-Q3
→
2025-Q3
14.16% → 14.90%
(+0.73%)
Net Interest Margin (NIM) (Absolute)
▲
2024-Q3
→
2025-Q3
3.76% → 3.90%
(+0.15%)
Quarter-over-Quarter Changes
Asset Growth (YoY) (Absolute)
▲
2025-Q2
→
2025-Q3
1.88% → 1.98%
(+0.10%)
Deposit Growth (YoY) (Absolute)
▲
2025-Q2
→
2025-Q3
1.17% → 1.33%
(+0.16%)
Indirect Auto Concentration (%) (Absolute)
▼
2025-Q2
→
2025-Q3
2.35% → 2.25%
(-4.05%)
Loan Growth (YoY) (Absolute)
▲
2025-Q2
→
2025-Q3
-4.12% → -3.88%
(+0.24%)
Member Growth (YoY) (Absolute)
▲
2025-Q2
→
2025-Q3
-1.69% → -1.55%
(+0.14%)
Key Metrics
Return on Assets
0.96%
— YoY18 basis points above national
Net Interest Margin
3.90%
▲ YoY18 basis points above national
Asset Growth
1.98%
— YoYMember Growth
-1.55%
Delinquency Rate
1.22%
▲ YoYNet Worth Ratio
14.90%
AMR Growth
0.88%
Insufficient historical data for trend visualization
Deposit Growth
1.33%
— YoY
Insufficient historical data for trend visualization
Loan Growth
-3.88%
— YoYMember Engagement
Member Growth (YoY %)
Member engagement deteriorated with membership declining -1.55% in Q3 2025, though the pace of losses moderated from -1.69% in Q2 2025. The annual decline represents a significant reversal from 1.23% growth in Q3 2024, indicating persistent membership challenges across West Virginia's credit union sector.
Profitability
Return on Assets (%)
Net Interest Margin (%)
Profitability remained stable with ROA holding at 0.96% in Q3 2025, unchanged from both Q2 2025 (0.92%) and Q3 2024 (0.92%). Net interest margin strengthened to 3.90% from 3.83% quarterly and 3.76% annually, demonstrating effective rate management amid challenging operating conditions.
Growth
Asset Growth (YoY %)
Member Growth (YoY %)
Growth trends showed mixed signals as asset growth accelerated to 1.98% from 1.88% quarter-over-quarter, while loan growth remained contractionary at -3.88% despite accelerating from -4.12% in Q2 2025. Deposit growth accelerated to 1.33% from 1.17% quarterly, supporting balance sheet expansion.
Risk & Credit Quality
Delinquency Rate (%)
Net Worth Ratio (%)
Risk metrics improved quarter-over-quarter with delinquencies decreasing to 1.22% from 1.41% in Q2 2025, though elevated from 1.02% annually. Net worth strengthened to 14.90% from 14.57% quarterly and 14.16% annually, maintaining robust capital buffers above national benchmarks.
Portfolio Mix
First Mortgage (%)
Indirect Auto (%)
Share Certificates (%)
Portfolio composition shifted toward traditional products with first mortgage concentration rising to 12.73% from 12.15% annually and certificate deposits increasing to 16.21% from 15.03% annually. Indirect auto lending continued declining to 2.25% from 2.35% quarterly, reflecting strategic repositioning away from higher-risk segments.
Strategic Implications
- • Member retention initiatives critical as -1.55% decline significantly lags national -0.61% performance
- • Loan portfolio contraction of -3.88% versus national 0.20% growth suggests need for lending strategy review
- • Strong NIM at 3.90% versus national 3.72% provides earnings cushion for strategic investments
- • Improving credit quality creates opportunity to expand lending while maintaining prudent risk standards
- • Robust 14.90% net worth ratio supports potential merger activity or technology investments
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Notable Patterns
How This Cohort Compares to National
Assets Per Member (annual) is 225.2pp below national
First Mortgage Share is 9.0pp below national
Indirect Auto Pct is 5.6pp below national
Loan Growth (annual) is 4.1pp below national
Certificate Pct is 3.4pp below national
Data Quality Notes
6 metric(s) had extreme values filtered using MAD-based, z-score > 5.0.
Asset Growth (YoY) (Absolute)
1 CU(s) excluded
Raw average: 1.45% →
Cleaned average: 1.98%
View excluded credit unions
- MCDOWELL COUNTY (18950) - -36.82%
Deposit Growth (YoY) (Absolute)
1 CU(s) excluded
Raw average: 0.73% →
Cleaned average: 1.33%
View excluded credit unions
- MCDOWELL COUNTY (18950) - -42.49%
Loan Growth (YoY) (Absolute)
1 CU(s) excluded
Raw average: -4.42% →
Cleaned average: -3.88%
View excluded credit unions
- MCDOWELL COUNTY (18950) - -44.24%
Member Growth (YoY) (Absolute)
1 CU(s) excluded
Raw average: -1.53% →
Cleaned average: -1.55%
View excluded credit unions
- MCDOWELL COUNTY (18950) - 0.00%
Net Worth Ratio (Absolute)
1 CU(s) excluded
Raw average: 15.47% →
Cleaned average: 14.90%
View excluded credit unions
- SOUTH CHARLESTON EMPLOYEES (16989) - 56.94%
Total Delinquency Rate (60+ days) (Absolute)
1 CU(s) excluded
Raw average: 1.30% →
Cleaned average: 1.22%
View excluded credit unions
- HUNTINGTON C & O RAILWAY EMPLOYEES (24236) - 7.27%