Charleston, WV · Charter 12938
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 | 0.86% | 0.73% | 2.00% | 1.30% | 1.35% | 1.28% | 2.18% | 1.82% | +52 bps | |
| Return on Equity | 6.45% | 5.49% | 15.14% | 9.57% | 9.65% | 8.99% | 15.19% | 12.31% | +274 bps | |
| Net Interest Margin | 2.31% | 2.19% | 3.08% | 2.80% | 2.73% | 2.73% | 3.73% | 3.38% | +58 bps | |
| Efficiency Ratio | 66.85% | 70.42% | 48.85% | 61.28% | 59.25% | 60.33% | 44.84% | 50.04% | -1,124 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.12% | -1.21% | 0.78% | -1.17% | 1.50% | 0.27% | -0.68% | 0.54% | +171 bps | |
| Loan Growth (YoY) | -2.15% | -3.24% | -2.15% | 1.45% | 1.47% | 2.01% | -1.09% | -5.32% | -676 bps | |
| Share Growth (YoY) | -4.69% | -2.20% | 0.00% | -2.11% | 1.29% | -0.71% | -1.93% | -0.91% | +119 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.14% | 0.00% | 0.00% | 0.00% | 0.13% | 0.11% | 0.00% | 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 | 13.30% | 13.23% | 13.21% | 13.59% | 13.98% | 14.25% | 14.36% | 14.81% | +122 bps | |
| Net Worth / Assets | 13.30% | 13.23% | 13.21% | 13.59% | 13.98% | 14.25% | 14.36% | 14.81% | +122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.36% | 58.84% | 56.56% | 60.12% | 61.47% | 60.46% | 57.04% | 57.45% | -267 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |