Morgantown, WV · Charter 14611
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 | 2.50% | 2.61% | 2.73% | 2.82% | 3.09% | 2.84% | 2.81% | 2.64% | -18 bps | |
| Return on Equity | 12.01% | 12.32% | 13.08% | 13.20% | 13.49% | 12.33% | 12.45% | 11.56% | -164 bps | |
| Net Interest Margin | 4.27% | 4.26% | 4.35% | 4.43% | 4.68% | 4.53% | 4.55% | 4.60% | +17 bps | |
| Efficiency Ratio | 44.22% | 43.80% | 40.81% | 41.83% | 41.12% | 42.84% | 40.85% | 40.94% | -89 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.19% | 7.07% | 6.77% | 6.80% | 4.91% | 4.70% | 5.02% | 5.45% | -135 bps | |
| Loan Growth (YoY) | 2.13% | 1.99% | 9.09% | 9.92% | 12.97% | 12.17% | 7.65% | 8.64% | -128 bps | |
| Share Growth (YoY) | 3.51% | 4.90% | 4.56% | 4.85% | 1.72% | 2.33% | 2.51% | 3.52% | -132 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.25% | 0.54% | 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 | 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 | 20.87% | 21.21% | 20.89% | 21.36% | 22.89% | 23.04% | 22.60% | 22.84% | +148 bps | |
| Net Worth / Assets | 20.87% | 21.21% | 20.89% | 21.36% | 22.89% | 23.04% | 22.60% | 22.84% | +148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.26% | 65.13% | 65.70% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |