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 | |