PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

WV National Guard

Charleston, WV · Charter 12938

NCUA · 1 branch

Q2 2026

$51.6MAssets
$25.2MLoans
$43.8MShares
$7.6MNet 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 1.82%, up 52 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 14.81%, up 122 bps from a year ago.
  • Funding: loans stand at 57.45% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.82%+52 bps YoY

Net Interest Margin (YTD, annualized)

3.38%+58 bps YoY

Efficiency Ratio (YTD, annualized)

50.04%-1,124 bps YoY

Net Worth / Assets

14.81%+122 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.35%1.28%2.18%1.82%+52 bps
Return on Equity9.57%9.65%8.99%15.19%12.31%+274 bps
Net Interest Margin2.80%2.73%2.73%3.73%3.38%+58 bps
Efficiency Ratio61.28%59.25%60.33%44.84%50.04%-1,124 bps
Growth
Asset Growth (YoY)-1.17%1.50%0.27%-0.68%0.54%+171 bps
Loan Growth (YoY)1.45%1.47%2.01%-1.09%-5.32%-676 bps
Share Growth (YoY)-2.11%1.29%-0.71%-1.93%-0.91%+119 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.13%0.11%0.00%0 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 Capital13.59%13.98%14.25%14.36%14.81%+122 bps
Net Worth / Assets13.59%13.98%14.25%14.36%14.81%+122 bps
Liquidity & Funding
Loans / Shares60.12%61.47%60.46%57.04%57.45%-267 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps