New Martinsvill, WV · Charter 11836
NCUA · 11 branches
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 | 0.57% | 0.84% | 0.75% | 0.61% | 0.81% | +24 bps | |
| Return on Equity | 6.05% | 8.75% | 7.73% | 6.35% | 8.21% | +216 bps | |
| Net Interest Margin | 3.75% | 3.78% | 3.80% | 3.80% | 3.86% | +12 bps | |
| Efficiency Ratio | 68.87% | 65.37% | 65.94% | 64.02% | 65.15% | -373 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.31% | -10.10% | 2.20% | 4.16% | 3.54% | +1,484 bps | |
| Loan Growth (YoY) | 1.20% | 0.83% | -0.29% | 0.14% | 4.54% | +334 bps | |
| Share Growth (YoY) | -12.70% | -11.84% | 1.47% | 3.93% | 3.00% | +1,570 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.22% | 1.46% | 1.42% | 1.02% | 1.68% | +47 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 | 9.39% | 9.65% | 9.71% | 9.65% | 9.90% | +51 bps | |
| Net Worth / Assets | 9.39% | 9.65% | 9.71% | 9.65% | 9.90% | +51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.84% | 87.25% | 86.06% | 84.07% | 88.14% | +130 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |