Raleigh Co. Educators Federal Credit Union
Total assets
$21.6M
▼ -0.8% YoY
Shares & deposits
$16.0M
▼ -2.6% YoY
Loans
$9.0M
▲ +7.8% YoY
Members
2,294
▼ -0.3% YoY
ROA (annualized)
1.44%
peers 0.60%
ROE (annualized)
5.65%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.1 pts |
| Share growth (YoY) | -2.6% | +0.7% | -3.2 pts |
| Loan growth (YoY) | +7.8% | -2.4% | +10.2 pts |
| ROA | 1.44% | 0.60% | +0.8 pts |
| ROE | 5.6% | 4.1% | +1.5 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
Profile
- Established
- 1980
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 105 Adair St, Beckley, WV, 25801
- NCUA charter #
- 23722
- RSSD ID
- 1017395
- 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 | $21.6M | $16.0M | $9.0M | $5.5M | $78K | 1.44% | 4.05% | 0.02% | 2,294 |
| Q4 2025 | $21.3M | $15.8M | $8.7M | $5.4M | $222K | 1.04% | 3.69% | 0.62% | 2,288 |
| Q3 2025 | $21.4M | $15.9M | $8.6M | $5.4M | $156K | 0.97% | 3.61% | 1.41% | 2,287 |
| Q2 2025 | $21.9M | $16.5M | $8.4M | $5.3M | $78K | 0.71% | 3.47% | 2.17% | 2,276 |
| Q1 2025 | $21.8M | $16.4M | $8.3M | $5.2M | $28K | 0.52% | 3.49% | 0.54% | 2,300 |
| Q4 2024 | $21.2M | $15.8M | $8.7M | $5.2M | $160K | 0.76% | 3.56% | 0.62% | 2,300 |
| Q3 2024 | $21.1M | $15.9M | $8.8M | $5.2M | $132K | 0.83% | 3.53% | 0.66% | 2,300 |
| Q2 2024 | $21.5M | $16.2M | $8.8M | $5.1M | $78K | 0.73% | 3.41% | 0.54% | 2,300 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $8.8M · securities $10.1M
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 | 1.44% | 0.60% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.1% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.83% | 60th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.0% | 81.5% | 19th | |
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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