Parkersburg, WV · Charter 12143
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.75% | -0.21% | -0.70% | -0.77% | -0.85% | 0.38% | 0.75% | +144 bps | |
| Return on Equity | 8.24% | 7.35% | -2.14% | -7.17% | -7.49% | -8.19% | 3.62% | 6.85% | +1,403 bps | |
| Net Interest Margin | 4.02% | 3.84% | 3.64% | 3.90% | 4.27% | 4.54% | 4.72% | 4.74% | +84 bps | |
| Efficiency Ratio | 70.20% | 70.05% | 85.01% | 84.36% | 82.54% | 79.41% | 78.65% | 76.32% | -804 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.43% | 10.67% | 12.92% | 7.94% | -0.06% | -9.22% | -14.52% | -12.07% | -2,001 bps | |
| Loan Growth (YoY) | -5.50% | -8.46% | -13.00% | -13.81% | -14.01% | -11.94% | -7.75% | -2.78% | +1,103 bps | |
| Share Growth (YoY) | 5.12% | 11.33% | 14.02% | 9.35% | 0.33% | -9.49% | -15.33% | -13.43% | -2,278 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.81% | 1.91% | 1.61% | 0.68% | 1.28% | 1.18% | 0.86% | 1.15% | +47 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 | 10.75% | 10.23% | 9.76% | 9.73% | 10.23% | 10.34% | 10.63% | 10.89% | +116 bps | |
| Net Worth / Assets | 10.75% | 10.23% | 9.76% | 9.73% | 10.23% | 10.34% | 10.63% | 10.89% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.82% | 82.43% | 74.02% | 74.33% | 77.84% | 80.20% | 80.65% | 83.47% | +915 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |