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United Hospital Center

Bridgeport, WV · Charter 12673

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60 to 61). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

85

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

92

Q2 2024Q2 2026peer median

Efficiency

73

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

United Hospital Center

Bridgeport, WV · Charter 12673

NCUA · 1 branch

Q2 2026

$13.2MAssets
$6.1MLoans
$10.3MShares
$3.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.02%, down 149 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 1.95% of loans (+39 bps YoY).
  • Capital: net worth / assets of 22.36%, up 92 bps from a year ago.
  • Funding: loans stand at 59.23% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.02%-149 bps YoY

Net Interest Margin (YTD, annualized)

4.08%-56 bps YoY

Efficiency Ratio (YTD, annualized)

72.76%+2,267 bps YoY

Net Worth / Assets

22.36%+92 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.51%2.55%2.38%0.87%1.02%-149 bps
Return on Equity11.70%11.26%10.36%3.76%4.57%-712 bps
Net Interest Margin4.64%4.83%4.79%3.59%4.08%-56 bps
Efficiency Ratio50.10%51.50%54.00%81.96%72.76%+2,267 bps
Growth
Asset Growth (YoY)-3.32%-0.86%1.59%-0.57%3.07%+639 bps
Loan Growth (YoY)-5.25%-8.75%-7.54%-10.80%-21.11%-1,586 bps
Share Growth (YoY)-6.86%-5.28%-2.29%-2.86%1.95%+880 bps
Asset Quality
Delinquent Loans / Loans1.56%1.74%2.43%11.96%1.95%+39 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital21.44%22.63%22.97%23.24%22.36%+92 bps
Net Worth / Assets21.44%22.63%22.97%23.24%22.36%+92 bps
Liquidity & Funding
Loans / Shares76.53%79.37%76.03%71.79%59.23%-1,731 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

United Hospital Center

Bridgeport, WV · Charter 12673 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)

NCUA · 1 branch

Q2 2026

$13.2MAssets
$6.1MLoans
$10.3MShares
$3.0MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 85% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 9 of 61).
  • Widest gap: nonperforming loans / loans trails 78% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 48 of 60).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.03%

Rank 13 of 61

Net Interest Margin

4.09%

Rank 16 of 61

Efficiency Ratio

72.67%

Rank 17 of 60

Equity / Assets

22.36%

Rank 9 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.03%-0.02%0.37%0.88%Beats 79%13 / 61
Return on Equity4.60%-0.25%2.65%5.53%Beats 61%24 / 61
Net Interest Margin4.09%3.07%3.57%4.09%Beats 74%16 / 61
Efficiency Ratio72.67%71.78%87.58%95.00%Beats 73%17 / 60
Asset Quality
Nonperforming Loans / Loans1.94%0.44%1.06%1.85%Beats 22%48 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio22.36%9.78%12.37%17.30%Beats 85%9 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets22.36%9.78%12.37%17.30%Beats 85%9 / 61
Liquidity & Funding
Loans / Deposits59.23%37.27%62.33%76.91%44th pctl34 / 61
Loans / Assets46.01%30.13%54.75%64.37%44th pctl34 / 61
Brokered Deposits / Depositsn/aNot reported for this institution