PackageTrendsPeer
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Romney

Romney, WV · Charter 10301

NCUA · 1 branch

Q2 2026

$14.8MAssets
$11.1MLoans
$13.5MShares
$1.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.79%, down 73 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 2.05% of loans (+48 bps YoY).
  • Capital: net worth / assets of 9.23%, down 54 bps from a year ago.
  • Funding: loans stand at 82.61% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.79%-73 bps YoY

Net Interest Margin (YTD, annualized)

3.94%-1 bps YoY

Efficiency Ratio (YTD, annualized)

70.03%+731 bps YoY

Net Worth / Assets

9.23%-54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.52%1.35%1.09%0.92%0.79%-73 bps
Return on Equity15.55%14.67%11.87%9.64%8.59%-696 bps
Net Interest Margin3.95%3.89%3.95%4.23%3.94%-1 bps
Efficiency Ratio62.72%66.40%65.18%66.89%70.03%+731 bps
Growth
Asset Growth (YoY)6.93%6.88%8.51%5.10%8.09%+117 bps
Loan Growth (YoY)-0.25%-2.62%1.64%0.97%0.39%+64 bps
Share Growth (YoY)6.64%7.22%8.77%5.25%8.65%+201 bps
Asset Quality
Delinquent Loans / Loans1.58%1.00%1.24%1.46%2.05%+48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.77%9.19%9.15%9.58%9.23%-54 bps
Net Worth / Assets9.77%9.19%9.15%9.58%9.23%-54 bps
Liquidity & Funding
Loans / Shares89.41%85.91%84.78%87.23%82.61%-680 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps