Ravenswood, WV · Charter 13321
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
6
Asset Quality
33
Profitability
21
Liquidity
0
Efficiency
35
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.
Ravenswood, WV · Charter 13321
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 | 0.25% | 0.15% | 0.36% | 0.67% | 0.77% | 0.64% | 0.22% | 0.21% | -45 bps | |
| Return on Equity | 2.41% | 1.48% | 3.68% | 6.63% | 7.45% | 6.89% | 2.55% | 2.54% | -409 bps | |
| Net Interest Margin | 3.23% | 3.44% | 3.64% | 3.68% | 3.82% | 3.69% | 3.19% | 3.20% | -48 bps | |
| Efficiency Ratio | 87.40% | 87.63% | 86.13% | 80.51% | 79.51% | 81.50% | 87.22% | 83.05% | +254 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.11% | 2.82% | 4.75% | 4.17% | 3.60% | 9.04% | 11.12% | 15.29% | +1,111 bps | |
| Loan Growth (YoY) | -7.05% | -8.39% | -8.32% | -5.34% | -4.98% | -4.10% | -3.24% | -5.47% | -12 bps | |
| Share Growth (YoY) | 3.28% | 3.18% | 5.31% | 4.49% | 3.63% | 9.11% | 11.44% | 16.24% | +1,175 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.02% | 1.30% | 1.54% | 1.64% | 2.74% | 2.26% | 2.37% | 0.99% | -65 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 | 10.25% | 10.22% | 9.91% | 10.09% | 10.39% | 9.24% | 8.77% | 8.45% | -164 bps | |
| Net Worth / Assets | 10.25% | 10.22% | 9.91% | 10.09% | 10.39% | 9.24% | 8.77% | 8.45% | -164 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.08% | 46.53% | 43.24% | 43.89% | 44.08% | 40.90% | 37.54% | 35.70% | -820 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ravenswood, WV · Charter 13321 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.22%
Rank 1,375 of 1,683
Net Interest Margin
3.20%
Rank 1,334 of 1,683
Efficiency Ratio
83.04%
Rank 1,092 of 1,682
Equity / Assets
8.45%
Rank 1,579 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.22% | 0.35% | 0.74% | 1.18% | Beats 18% | 1,375 / 1,683 | ||
| Return on Equity | 2.56% | 2.67% | 5.89% | 8.74% | Beats 24% | 1,284 / 1,681 | ||
| Net Interest Margin | 3.20% | 3.31% | 3.82% | 4.32% | Beats 21% | 1,334 / 1,683 | ||
| Efficiency Ratio | 83.04% | 68.91% | 78.20% | 86.93% | Beats 35% | 1,092 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.99% | 0.26% | 0.65% | 1.29% | Beats 33% | 1,120 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.45% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,579 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.45% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,579 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 35.70% | 52.61% | 69.38% | 83.50% | 8th pctl | 1,552 / 1,683 | ||
| Loans / Assets | 32.50% | 44.71% | 59.18% | 70.72% | 10th pctl | 1,514 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||