Natrium Employees Federal Credit Union
Total assets
$11.8M
▲ +6.9% YoY
Shares & deposits
$10.4M
▲ +5.5% YoY
Loans
$6.8M
▲ +8.9% YoY
Members
756
▼ -0.1% YoY
ROA (annualized)
2.03%
peers 0.60%
ROE (annualized)
16.94%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +1.3% | +5.6 pts |
| Share growth (YoY) | +5.5% | +0.7% | +4.8 pts |
| Loan growth (YoY) | +8.9% | -2.4% | +11.2 pts |
| ROA | 2.03% | 0.60% | +1.4 pts |
| ROE | 16.9% | 4.1% | +12.8 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
Profile
- Established
- 1984
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- Po Box 168, Proctor, WV, 26055
- NCUA charter #
- 24090
- RSSD ID
- 713494
- 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 | $11.8M | $10.4M | $6.8M | $1.4M | $60K | 2.03% | 4.74% | 0.53% | 756 |
| Q4 2025 | $11.7M | $10.4M | $6.8M | $1.4M | $201K | 1.71% | 4.44% | 0.94% | 750 |
| Q3 2025 | $11.2M | $9.8M | $6.7M | $1.3M | $163K | 1.94% | 4.58% | 0.99% | 760 |
| Q2 2025 | $11.4M | $10.1M | $6.4M | $1.3M | $99K | 1.73% | 4.34% | 1.17% | 759 |
| Q1 2025 | $11.0M | $9.8M | $6.2M | $1.2M | $48K | 1.75% | 4.49% | 0.23% | 757 |
| Q4 2024 | $10.2M | $9.0M | $6.3M | $1.2M | $145K | 1.43% | 4.11% | 0.27% | 749 |
| Q3 2024 | $10.5M | $9.2M | $6.0M | $1.1M | $115K | 1.46% | 3.90% | 0.38% | 741 |
| Q2 2024 | $10.5M | $9.3M | $5.9M | $1.1M | $72K | 1.38% | 3.75% | 0.00% | 740 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.8M · securities $3.5M
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 | 2.03% | 0.60% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 4.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.74% | 3.83% | 84th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.2% | 81.5% | 9th | |
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.
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