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Letter portraitLegal landscapeQuarterYTD

Morgantown A E S

Morgantown, WV · Charter 10695

NCUA · 1 branch

Q2 2026

$37.7MAssets
$20.5MLoans
$33.7MShares
$3.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.44%, down 44 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 0.49% of loans (-86 bps YoY).
  • Capital: net worth / assets of 9.73%, up 67 bps from a year ago.
  • Funding: loans stand at 60.93% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.44%-44 bps YoY

Net Interest Margin (YTD, annualized)

4.30%+13 bps YoY

Efficiency Ratio (YTD, annualized)

85.20%+961 bps YoY

Net Worth / Assets

9.73%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.10%0.00%0.46%0.87%0.77%0.71%0.10%0.44%-44 bps
Return on Equity1.20%0.01%5.39%9.63%8.23%7.55%1.10%4.48%-516 bps
Net Interest Margin3.09%3.36%3.93%4.18%4.32%4.37%4.36%4.30%+13 bps
Efficiency Ratio89.95%89.87%77.59%75.59%79.51%81.55%86.97%85.20%+961 bps
Growth
Asset Growth (YoY)-6.19%-10.38%-8.63%-7.68%-6.80%-1.74%-3.04%-1.89%+579 bps
Loan Growth (YoY)2.28%-1.27%-2.07%-8.12%-9.94%-8.57%-7.12%0.42%+854 bps
Share Growth (YoY)-0.21%-15.84%-8.30%-8.86%-7.80%4.05%-4.52%-3.49%+537 bps
Asset Quality
Delinquent Loans / Loans0.04%1.07%1.10%1.34%0.33%0.79%0.67%0.49%-86 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.21%8.54%8.61%9.07%9.31%9.40%9.51%9.73%+67 bps
Net Worth / Assets8.21%8.54%8.61%9.07%9.31%9.40%9.51%9.73%+67 bps
Liquidity & Funding
Loans / Shares60.29%65.60%59.46%58.56%58.90%57.64%57.84%60.93%+237 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps