Parkersburg, WV · Charter 12470
NCUA · 3 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 | 0.83% | 0.78% | 0.63% | 0.66% | 1.35% | 1.15% | 0.24% | 0.15% | -51 bps | |
| Return on Equity | 5.94% | 5.43% | 4.51% | 4.63% | 9.27% | 7.77% | 1.68% | 1.06% | -357 bps | |
| Net Interest Margin | 5.01% | 5.09% | 4.95% | 5.18% | 5.58% | 5.54% | 4.93% | 4.88% | -30 bps | |
| Efficiency Ratio | 72.75% | 73.71% | 73.39% | 70.40% | 67.91% | 63.53% | 62.46% | 67.36% | -304 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.94% | -6.88% | -4.35% | -1.93% | 2.02% | 2.52% | 2.86% | 2.84% | +478 bps | |
| Loan Growth (YoY) | -7.66% | -7.51% | -7.94% | -8.44% | -9.92% | -11.31% | -11.29% | -11.66% | -321 bps | |
| Share Growth (YoY) | -7.84% | -8.33% | -5.26% | -2.52% | 1.28% | 1.84% | 2.33% | 2.17% | +470 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.87% | 3.65% | 3.80% | 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 | 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 | 14.06% | 14.29% | 14.04% | 14.31% | 14.53% | 14.80% | 14.40% | 14.52% | +21 bps | |
| Net Worth / Assets | 14.06% | 14.29% | 14.04% | 14.31% | 14.53% | 14.80% | 14.40% | 14.52% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.99% | 90.11% | 85.69% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |