Mount Hope, WV · Charter 12310
NCUA · 1 branch
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 | 0.48% | 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 | |