City of Fairmont

0.0 percent of the credit union's member shares and deposits are above the NCUA insurance limit. This is better than 85.5 percent of credit unions under $300 million in assets, and a lower share means more members' money is within the insurance limit.

At 9.8 percent, loans behind on payments make up that share of total loans and leases, better than 1.5 percent of similar credit unions. Loan quality matters because missed payments can reduce earnings and weaken the institution’s financial cushion.

At 10.3 percent of assets, net worth is the credit union equivalent of a bank capital ratio; 21.9 percent of similar credit unions have a lower ratio. This cushion absorbs losses for members, and the NCUA treats ratios of 7 percent or more as well capitalized.

Debt securities the credit union intends to hold to maturity equal 0.0 percent of net worth at amortized cost, purchase cost adjusted over time, and 67.6 percent of similar credit unions have a larger position. The NCUA publishes no fair value for these securities, so the figure shows exposure to interest rate moves, not an unrealized or current paper loss, a decline without any sale.