Parkersburg, WV · Charter 14257
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.08% | 1.13% | 0.91% | 0.80% | 0.77% | -31 bps | |
| Return on Equity | 7.81% | 7.90% | 6.51% | 5.92% | 5.87% | -194 bps | |
| Net Interest Margin | 3.05% | 3.13% | 3.05% | 2.75% | 2.70% | -35 bps | |
| Efficiency Ratio | 69.47% | 68.88% | 72.90% | 74.87% | 75.54% | +607 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.24% | 1.53% | 4.37% | 7.53% | 11.00% | +776 bps | |
| Loan Growth (YoY) | -6.37% | -4.59% | -5.13% | -2.97% | -3.19% | +318 bps | |
| Share Growth (YoY) | 3.03% | 0.43% | 4.24% | 7.49% | 11.44% | +841 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.52% | 2.69% | 2.15% | 2.48% | 2.56% | +104 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.80% | 14.26% | 13.99% | 13.49% | 13.16% | -63 bps | |
| Net Worth / Assets | 13.80% | 14.26% | 13.99% | 13.49% | 13.16% | -63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.42% | 41.77% | 39.63% | 36.67% | 35.11% | -531 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |