Camc Federal Credit Union
Total assets
$79.2M
▲ +1.8% YoY
Shares & deposits
$56.6M
▲ +0.5% YoY
Loans
$34.9M
▼ -3.1% YoY
Members
5,121
▲ +1.2% YoY
ROA (annualized)
1.78%
peers 0.60%
ROE (annualized)
6.31%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +1.3% | +0.5 pts |
| Share growth (YoY) | +0.6% | +0.7% | -0.1 pts |
| Loan growth (YoY) | -3.1% | -2.4% | -0.7 pts |
| ROA | 1.78% | 0.60% | +1.2 pts |
| ROE | 6.3% | 4.1% | +2.2 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
Profile
- Established
- 1977
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 3400 Maccorkle Avenue Se, Charleston, WV, 25304
- NCUA charter #
- 22657
- RSSD ID
- 437688
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $79.2M | $56.6M | $34.9M | $22.3M | $352K | 1.78% | 3.87% | 0.09% | 5,121 |
| Q4 2025 | $78.5M | $56.2M | $35.6M | $21.9M | $1.5M | 1.88% | 4.02% | 0.09% | 5,149 |
| Q3 2025 | $76.6M | $54.6M | $35.6M | $21.7M | $1.2M | 2.03% | 4.12% | 0.01% | 5,109 |
| Q2 2025 | $79.4M | $57.6M | $35.9M | $21.3M | $793K | 2.00% | 3.95% | 0.04% | 5,107 |
| Q1 2025 | $77.8M | $56.3M | $36.0M | $20.9M | $385K | 1.98% | 3.94% | 0.00% | 5,059 |
| Q4 2024 | $76.4M | $55.7M | $36.6M | $20.5M | $1.2M | 1.63% | 3.72% | 0.45% | 5,085 |
| Q3 2024 | $75.9M | $55.5M | $36.2M | $20.2M | $920K | 1.62% | 3.66% | 0.09% | 5,044 |
| Q2 2024 | $78.9M | $58.8M | $35.8M | $19.9M | $627K | 1.59% | 3.41% | 0.08% | 4,988 |
Loan mix (Q1 2026): real estate $20.6M · commercial $0 · consumer $13.5M · securities $40.1M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.78% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.5% | 81.5% | — | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- Members Choice Wv Federal Credit UnionCharleston, WV · $93.1M
- The State Credit UnionCharleston, WV · $94.9M
- Universal Federal Credit UnionHuntington, WV · $97.2M
- Your Legacy Federal Credit UnionTiffin, OH · $79.2M
- Westedge Federal Credit UnionBellingham, WA · $79.1M
- Credit Union Of Atlanta Credit UnionAtlanta, GA · $79.4M
Selling to Camc Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.