Clarksburg, WV · Charter 13426
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.46% | 0.33% | 0.23% | 0.19% | -28 bps | |
| Return on Equity | 3.42% | 3.32% | 2.33% | 1.60% | 1.30% | -212 bps | |
| Net Interest Margin | 2.98% | 2.99% | 2.95% | 2.67% | 2.71% | -27 bps | |
| Efficiency Ratio | 84.71% | 84.73% | 89.17% | 91.54% | 93.24% | +853 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.08% | 0.28% | 0.75% | -2.75% | -3.25% | -433 bps | |
| Loan Growth (YoY) | -26.07% | -25.93% | -22.86% | -17.92% | -20.64% | +543 bps | |
| Share Growth (YoY) | 0.52% | -0.26% | 0.48% | -3.45% | -3.97% | -449 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.10% | 0.08% | 0.11% | 0.02% | +2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.00% | 3.71% | 4.08% | 4.58% | 4.92% | +192 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.58% | 13.94% | 13.99% | 14.29% | 14.22% | +64 bps | |
| Net Worth / Assets | 13.58% | 13.94% | 13.99% | 14.29% | 14.22% | +64 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.41% | 33.37% | 32.01% | 31.20% | 29.26% | -615 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |