Parkersburg, WV · Charter 12470
NCUA · 3 branches
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
64
Asset Quality
7
Profitability
40
Liquidity
85
Efficiency
78
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.
Parkersburg, WV · Charter 12470
NCUA · 3 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 | 0.66% | 1.35% | 1.15% | 0.24% | 0.15% | -51 bps | |
| Return on Equity | 4.63% | 9.27% | 7.77% | 1.68% | 1.06% | -357 bps | |
| Net Interest Margin | 5.18% | 5.58% | 5.54% | 4.93% | 4.88% | -30 bps | |
| Efficiency Ratio | 70.40% | 67.91% | 63.53% | 62.46% | 67.36% | -304 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.93% | 2.02% | 2.52% | 2.86% | 2.84% | +478 bps | |
| Loan Growth (YoY) | -8.44% | -9.92% | -11.31% | -11.29% | -11.66% | -321 bps | |
| Share Growth (YoY) | -2.52% | 1.28% | 1.84% | 2.33% | 2.17% | +470 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.24% | 2.47% | 3.50% | 2.32% | 3.24% | 0 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 | 14.31% | 14.53% | 14.80% | 14.40% | 14.52% | +21 bps | |
| Net Worth / Assets | 14.31% | 14.53% | 14.80% | 14.40% | 14.52% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.11% | 80.92% | 78.47% | 74.28% | 72.72% | -1,139 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Parkersburg, WV · Charter 12470 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.15%
Rank 1,417 of 1,683
Net Interest Margin
4.88%
Rank 178 of 1,683
Efficiency Ratio
67.37%
Rank 371 of 1,682
Equity / Assets
14.52%
Rank 599 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.15% | 0.35% | 0.74% | 1.18% | Beats 16% | 1,417 / 1,683 | |
| Return on Equity | 1.06% | 2.67% | 5.89% | 8.74% | Beats 15% | 1,422 / 1,681 | |
| Net Interest Margin | 4.88% | 3.31% | 3.82% | 4.32% | Beats 89% | 178 / 1,683 | |
| Efficiency Ratio | 67.37% | 68.91% | 78.20% | 86.93% | Beats 78% | 371 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.23% | 0.26% | 0.65% | 1.29% | Beats 7% | 1,569 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.52% | 10.44% | 12.89% | 16.53% | Beats 64% | 599 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.52% | 10.44% | 12.89% | 16.53% | Beats 64% | 599 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.72% | 52.61% | 69.38% | 83.50% | 56th pctl | 735 / 1,683 | |
| Loans / Assets | 61.77% | 44.71% | 59.18% | 70.72% | 56th pctl | 742 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||