PackageTrendsPeer
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Wvu Employees

Morgantown, WV · Charter 14611

NCUA · 1 branch

Q2 2026

$67.8MAssets
$36.0MLoans
$51.6MShares
$15.5MNet 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 2.64%, down 18 bps year over year; NIM at 4.60%.
  • Asset quality: problem loans at 0.23% of loans (-22 bps YoY).
  • Capital: net worth / assets of 22.84%, up 148 bps from a year ago.
  • Funding: loans stand at 69.72% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.64%-18 bps YoY

Net Interest Margin (quarter, annualized)

4.60%+17 bps YoY

Efficiency Ratio (quarter, annualized)

40.94%-89 bps YoY

Net Worth / Assets

22.84%+148 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.82%3.09%2.84%2.81%2.64%-18 bps
Return on Equity13.20%13.49%12.33%12.45%11.56%-164 bps
Net Interest Margin4.43%4.68%4.53%4.55%4.60%+17 bps
Efficiency Ratio41.83%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 / Loans0.45%0.49%1.01%0.54%0.23%-22 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital21.36%22.89%23.04%22.60%22.84%+148 bps
Net Worth / Assets21.36%22.89%23.04%22.60%22.84%+148 bps
Liquidity & Funding
Loans / Shares66.43%72.47%71.39%69.00%69.72%+328 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps