Romney, WV · Charter 10301
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.52% | 1.65% | 1.52% | 1.35% | 1.09% | 0.92% | 0.79% | -73 bps | |
| Return on Equity | 9.12% | 5.57% | 17.08% | 15.55% | 14.67% | 11.87% | 9.64% | 8.59% | -696 bps | |
| Net Interest Margin | 3.56% | 3.64% | 4.06% | 3.95% | 3.89% | 3.95% | 4.23% | 3.94% | -1 bps | |
| Efficiency Ratio | 71.82% | 69.32% | 64.34% | 62.72% | 66.40% | 65.18% | 66.89% | 70.03% | +731 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.55% | 5.66% | 3.48% | 6.93% | 6.88% | 8.51% | 5.10% | 8.09% | +117 bps | |
| Loan Growth (YoY) | 0.51% | -1.79% | -1.35% | -0.25% | -2.62% | 1.64% | 0.97% | 0.39% | +64 bps | |
| Share Growth (YoY) | 3.79% | 5.64% | 2.94% | 6.64% | 7.22% | 8.77% | 5.25% | 8.65% | +201 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.26% | 1.36% | 1.09% | 1.58% | 1.00% | 1.24% | 1.46% | 2.05% | +48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.49% | 9.36% | 9.68% | 9.77% | 9.19% | 9.15% | 9.58% | 9.23% | -54 bps | |
| Net Worth / Assets | 9.49% | 9.36% | 9.68% | 9.77% | 9.19% | 9.15% | 9.58% | 9.23% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.59% | 90.73% | 90.94% | 89.41% | 85.91% | 84.78% | 87.23% | 82.61% | -680 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |