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Valley Board

Halltown, WV · Charter 14045

NCUA · 1 branch

Q2 2023

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2023, the quarter ended June 30, 2023, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Valley Board

Halltown, WV · Charter 14045

NCUA · 1 branch

Q2 2023

$52KAssets
$18KLoans
$41KShares
$9KNet 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 -10.73%, down 699 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 16.59%, up 268 bps from a year ago.
  • Funding: loans stand at 45.25% of shares as of Q2 2023.

Financial Results

Return on Assets (YTD, annualized)

-10.73%-699 bps YoY

Net Interest Margin (YTD, annualized)

3.89%-268 bps YoY

Efficiency Ratio (YTD, annualized)

140.83%-1,365 bps YoY

Net Worth / Assets

16.59%+268 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2022Q3 2022Q4 2022Q1 2023Q2 2023YoY ΔTrend
Earnings
Return on Assets-3.75%-4.46%-5.88%-16.92%-10.73%-699 bps
Return on Equity-26.94%-34.95%-42.03%-93.75%-64.69%-3,775 bps
Net Interest Margin6.57%6.01%6.87%6.52%3.89%-268 bps
Efficiency Ratio154.48%169.54%179.57%79.42%140.83%-1,365 bps
Growth
Asset Growth (YoY)-0.23%-3.67%-16.83%-50.43%-49.40%-4,917 bps
Loan Growth (YoY)-28.08%-29.05%-42.90%-46.17%-51.34%-2,325 bps
Share Growth (YoY)10.38%1.34%-16.00%-54.73%-52.96%-6,334 bps
Asset Quality
Delinquent Loans / Loans0.00%2.25%2.84%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.33%5.40%8.22%6.29%6.91%+257 bps
Capital
Risk-Based Capital13.90%12.76%13.99%18.04%16.59%+268 bps
Net Worth / Assets13.90%12.76%13.99%18.04%16.59%+268 bps
Liquidity & Funding
Loans / Shares43.74%38.74%38.93%51.40%45.25%+151 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps