Parkersburg, WV · Charter 14257
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 | 1.24% | 0.96% | 1.04% | 1.08% | 1.13% | 0.91% | 0.80% | 0.77% | -31 bps | |
| Return on Equity | 9.09% | 7.02% | 7.62% | 7.81% | 7.90% | 6.51% | 5.92% | 5.87% | -194 bps | |
| Net Interest Margin | 3.31% | 3.27% | 3.03% | 3.05% | 3.13% | 3.05% | 2.75% | 2.70% | -35 bps | |
| Efficiency Ratio | 64.22% | 68.47% | 70.30% | 69.47% | 68.88% | 72.90% | 74.87% | 75.54% | +607 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.83% | 6.98% | 7.22% | 3.24% | 1.53% | 4.37% | 7.53% | 11.00% | +776 bps | |
| Loan Growth (YoY) | 3.20% | -3.71% | -7.37% | -6.37% | -4.59% | -5.13% | -2.97% | -3.19% | +318 bps | |
| Share Growth (YoY) | 9.04% | 7.43% | 8.43% | 3.03% | 0.43% | 4.24% | 7.49% | 11.44% | +841 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.51% | 1.15% | 2.12% | 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 | 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 | 13.59% | 13.65% | 13.62% | 13.80% | 14.26% | 13.99% | 13.49% | 13.16% | -63 bps | |
| Net Worth / Assets | 13.59% | 13.65% | 13.62% | 13.80% | 14.26% | 13.99% | 13.49% | 13.16% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.96% | 43.54% | 40.62% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |