Bridgeport, WV · Charter 12673
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.67% | 1.86% | 2.13% | 2.51% | 2.55% | 2.38% | 0.87% | 1.02% | -149 bps | |
| Return on Equity | 8.38% | 8.89% | 10.11% | 11.70% | 11.26% | 10.36% | 3.76% | 4.57% | -712 bps | |
| Net Interest Margin | 4.19% | 4.34% | 4.36% | 4.64% | 4.83% | 4.79% | 3.59% | 4.08% | -56 bps | |
| Efficiency Ratio | 62.28% | 59.74% | 54.62% | 50.10% | 51.50% | 54.00% | 81.96% | 72.76% | +2,267 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.70% | -8.62% | -7.27% | -3.32% | -0.86% | 1.59% | -0.57% | 3.07% | +639 bps | |
| Loan Growth (YoY) | -4.40% | -7.02% | -4.99% | -5.25% | -8.75% | -7.54% | -10.80% | -21.11% | -1,586 bps | |
| Share Growth (YoY) | -12.37% | -12.57% | -11.08% | -6.86% | -5.28% | -2.29% | -2.86% | 1.95% | +880 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.58% | 1.85% | 1.72% | 1.56% | 1.74% | 2.43% | 11.96% | 1.95% | +39 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 | 19.97% | 20.92% | 21.05% | 21.44% | 22.63% | 22.97% | 23.24% | 22.36% | +92 bps | |
| Net Worth / Assets | 19.97% | 20.92% | 21.05% | 21.44% | 22.63% | 22.97% | 23.24% | 22.36% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.39% | 80.35% | 78.18% | 76.53% | 79.37% | 76.03% | 71.79% | 59.23% | -1,731 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |