Williamsport, Pennsylvania · Peer group 4
West Branch Valley Credit Union
West Branch Valley Credit Union holds $50.7M in assets across 4,560 members as of Q1 2026 — about $11K of assets per member, on a charter dating to 1952. Charter number 7821, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $50.7M |
|---|---|
| Total loans | $31.9M |
| Total shares (deposits) | $45.5M |
| Net worth | $4.6M |
| Members | 4,560 |
| Assets per member | $11K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 2.4% | |
|---|---|---|
| Loans | 24.6% | higher than 99% of its peer group |
| Deposits | 0.9% | around the 43rd percentile of its peer group |
| Members | -0.8% | around the 58th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 70.2% | around the 68th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.2% | around the 11th percentile of its peer group |
| Return on assets | 0.64% | around the 46th percentile of its peer group |
| Delinquency ratio | 0.32% | around the 31st percentile of its peer group |
| Cash / assets | 5.0% | around the 12th percentile of its peer group |
| Borrowings / assets | 1.0% | higher than 96% of its peer group |
What this page does not show
Everything above is West Branch Valley Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Pennsylvania — the comparison set a peer ratio is measured against.
- 3HILL Credit Union
Blue Bell, PA
$51.2M · 3,226 members
- Firstenergy Choice Credit Union
GREENSBURG, PA
$52.2M · 3,558 members
- Prr South Fork Credit Union
South Fork, PA
$49.1M · 2,487 members
- Earning Tree Credit Union
Wilkes Barre, PA
$48.1M · 1,868 members
- Vantage Trust Credit Union
WILKES BARRE, PA
$48.0M · 5,048 members
- Moonlight Credit Union
Worthington, PA
$53.4M · 3,883 members
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