Morgantown, WV · Charter 14611
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
92
Asset Quality
78
Profitability
91
Liquidity
99
Efficiency
99
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Morgantown, WV · Charter 14611
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 | 2.82% | 3.09% | 2.84% | 2.81% | 2.64% | -18 bps | |
| Return on Equity | 13.20% | 13.49% | 12.33% | 12.45% | 11.56% | -164 bps | |
| Net Interest Margin | 4.43% | 4.68% | 4.53% | 4.55% | 4.60% | +17 bps | |
| Efficiency Ratio | 41.83% | 41.12% | 42.84% | 40.85% | 40.94% | -89 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.80% | 4.91% | 4.70% | 5.02% | 5.45% | -135 bps | |
| Loan Growth (YoY) | 9.92% | 12.97% | 12.17% | 7.65% | 8.64% | -128 bps | |
| Share Growth (YoY) | 4.85% | 1.72% | 2.33% | 2.51% | 3.52% | -132 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.49% | 1.01% | 0.54% | 0.23% | -22 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 | 21.36% | 22.89% | 23.04% | 22.60% | 22.84% | +148 bps | |
| Net Worth / Assets | 21.36% | 22.89% | 23.04% | 22.60% | 22.84% | +148 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.43% | 72.47% | 71.39% | 69.00% | 69.72% | +328 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Morgantown, WV · Charter 14611 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
2.64%
Rank 21 of 1,683
Net Interest Margin
4.60%
Rank 283 of 1,683
Efficiency Ratio
40.93%
Rank 21 of 1,682
Equity / Assets
22.84%
Rank 143 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.64% | 0.35% | 0.74% | 1.18% | Beats 99% | 21 / 1,683 | |
| Return on Equity | 11.56% | 2.67% | 5.89% | 8.74% | Beats 90% | 164 / 1,681 | |
| Net Interest Margin | 4.60% | 3.31% | 3.82% | 4.32% | Beats 83% | 283 / 1,683 | |
| Efficiency Ratio | 40.93% | 68.91% | 78.20% | 86.93% | Beats 99% | 21 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.23% | 0.26% | 0.65% | 1.29% | Beats 78% | 375 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 22.84% | 10.44% | 12.89% | 16.53% | Beats 92% | 143 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 22.84% | 10.44% | 12.89% | 16.53% | Beats 92% | 143 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.72% | 52.61% | 69.38% | 83.50% | 51st pctl | 832 / 1,683 | |
| Loans / Assets | 53.07% | 44.71% | 59.18% | 70.72% | 39th pctl | 1,024 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||