PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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