Saint Marys, West Virginia · Peer group 3
Willow Island Credit Union
Willow Island Credit Union holds $12.3M in assets across 1,701 members as of Q1 2026 — about $7K of assets per member, on a charter dating to 1953. Charter number 8474, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $12.3M |
|---|---|
| Total loans | $9.6M |
| Total shares (deposits) | $11.4M |
| Net worth | $903K |
| Members | 1,701 |
| Assets per member | $7K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.2% | |
|---|---|---|
| Loans | -0.1% | around the 61st percentile of its peer group |
| Deposits | 1.5% | around the 51st percentile of its peer group |
| Members | -2.1% | around the 40th 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 | 84.3% | around the 89th percentile of its peer group |
|---|---|---|
| Net worth ratio | 7.3% | lower than 98% of its peer group |
| Return on assets | -3.03% | lower than 98% of its peer group |
| Delinquency ratio | 1.39% | around the 76th percentile of its peer group |
| Cash / assets | 5.5% | around the 14th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Willow Island 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 West Virginia — the comparison set a peer ratio is measured against.
- United Hospital Center Credit Union
Bridgeport, WV
$12.5M · 1,472 members
- Natrium Employees Credit Union
Proctor, WV
$11.8M · 756 members
- Cha-Tel Credit Union
Charleston, WV
$11.4M · 1,240 members
- Romney Credit Union
ROMNEY, WV
$14.0M · 1,621 members
- Putnam School Employees Credit Union
ELEANOR, WV
$14.1M · 1,892 members
- National Employees Credit Union
BLUEFIELD, WV
$14.3M · 2,956 members
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