Morgantown, WV · Charter 10695
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.77% | 0.71% | 0.10% | 0.44% | -44 bps | |
| Return on Equity | 9.63% | 8.23% | 7.55% | 1.10% | 4.48% | -516 bps | |
| Net Interest Margin | 4.18% | 4.32% | 4.37% | 4.36% | 4.30% | +13 bps | |
| Efficiency Ratio | 75.59% | 79.51% | 81.55% | 86.97% | 85.20% | +961 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.68% | -6.80% | -1.74% | -3.04% | -1.89% | +579 bps | |
| Loan Growth (YoY) | -8.12% | -9.94% | -8.57% | -7.12% | 0.42% | +854 bps | |
| Share Growth (YoY) | -8.86% | -7.80% | 4.05% | -4.52% | -3.49% | +537 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.34% | 0.33% | 0.79% | 0.67% | 0.49% | -86 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.07% | 9.31% | 9.40% | 9.51% | 9.73% | +67 bps | |
| Net Worth / Assets | 9.07% | 9.31% | 9.40% | 9.51% | 9.73% | +67 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.56% | 58.90% | 57.64% | 57.84% | 60.93% | +237 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |