Mount Hope, WV · Charter 12310
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
93
Asset Quality
100
Profitability
38
Liquidity
59
Efficiency
31
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Mount Hope, WV · Charter 12310
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 | 0.48% | 0.60% | 0.79% | 0.87% | 0.88% | 0.78% | 0.22% | 0.62% | -26 bps | |
| Return on Equity | 2.31% | 2.76% | 3.47% | 3.80% | 3.84% | 3.38% | 0.93% | 2.58% | -122 bps | |
| Net Interest Margin | 3.20% | 3.37% | 3.67% | 3.87% | 3.87% | 3.81% | 3.55% | 3.79% | -8 bps | |
| Efficiency Ratio | 85.36% | 82.87% | 80.07% | 78.53% | 78.44% | 80.63% | 93.23% | 84.20% | +566 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.29% | -1.03% | -2.30% | -2.69% | -5.01% | -1.94% | -0.85% | -1.35% | +134 bps | |
| Loan Growth (YoY) | -4.24% | -5.08% | -7.10% | -2.28% | -5.96% | -5.31% | -3.94% | -6.68% | -440 bps | |
| Share Growth (YoY) | 2.14% | -2.19% | -4.02% | -4.67% | -7.42% | -3.44% | -1.94% | -2.59% | +209 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.77% | 0.05% | 0.00% | 0.00% | 0.66% | 0.43% | 0.00% | 0 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 | 0.59% | 0.61% | 0.65% | 0.60% | 0.58% | 0.60% | 0.65% | 0.66% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.91% | 21.89% | 22.69% | 23.01% | 22.91% | 23.10% | 23.53% | 23.99% | +98 bps | |
| Net Worth / Assets | 20.91% | 21.89% | 22.69% | 23.01% | 22.91% | 23.10% | 23.53% | 23.99% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.28% | 58.14% | 57.13% | 59.34% | 57.17% | 57.02% | 55.97% | 56.85% | -249 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Mount Hope, WV · Charter 12310 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.61%
Rank 997 of 1,683
Net Interest Margin
3.78%
Rank 878 of 1,683
Efficiency Ratio
84.48%
Rank 1,165 of 1,682
Equity / Assets
23.99%
Rank 116 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.61% | 0.35% | 0.74% | 1.18% | Beats 41% | 997 / 1,683 | ||
| Return on Equity | 2.56% | 2.67% | 5.89% | 8.74% | Beats 24% | 1,285 / 1,681 | ||
| Net Interest Margin | 3.78% | 3.31% | 3.82% | 4.32% | Beats 48% | 878 / 1,683 | ||
| Efficiency Ratio | 84.48% | 68.91% | 78.20% | 86.93% | Beats 31% | 1,165 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.99% | 10.44% | 12.89% | 16.53% | Beats 93% | 116 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 23.99% | 10.44% | 12.89% | 16.53% | Beats 93% | 116 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.85% | 52.61% | 69.38% | 83.50% | 31st pctl | 1,168 / 1,683 | ||
| Loans / Assets | 43.12% | 44.71% | 59.18% | 70.72% | 23rd pctl | 1,293 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||