Charleston, WV · Charter 15935
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
57
Asset Quality
90
Profitability
58
Liquidity
68
Efficiency
33
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.
Charleston, WV · Charter 15935
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 | 0.25% | 0.23% | 0.25% | 0.39% | 0.81% | +57 bps | |
| Return on Equity | 1.83% | 1.63% | 1.78% | 2.87% | 5.97% | +415 bps | |
| Net Interest Margin | 3.74% | 3.82% | 3.84% | 3.61% | 4.18% | +44 bps | |
| Efficiency Ratio | 94.64% | 95.18% | 94.77% | 91.17% | 83.70% | -1,094 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.63% | -2.38% | 2.20% | 2.62% | 2.31% | +68 bps | |
| Loan Growth (YoY) | 1.76% | 7.47% | 10.69% | 5.26% | -1.19% | -295 bps | |
| Share Growth (YoY) | 2.15% | -2.95% | 2.29% | 2.41% | 1.50% | -65 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.23% | 0.22% | 0.23% | 0.04% | 0.04% | -19 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 | 13.40% | 13.89% | 13.75% | 13.48% | 13.62% | +22 bps | |
| Net Worth / Assets | 13.40% | 13.89% | 13.75% | 13.48% | 13.62% | +22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.28% | 64.82% | 61.66% | 59.61% | 59.66% | -162 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Charleston, WV · Charter 15935 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.81%
Rank 767 of 1,683
Net Interest Margin
4.18%
Rank 532 of 1,683
Efficiency Ratio
83.68%
Rank 1,124 of 1,682
Equity / Assets
13.62%
Rank 728 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.35% | 0.74% | 1.18% | Beats 54% | 767 / 1,683 | |
| Return on Equity | 5.98% | 2.67% | 5.89% | 8.74% | Beats 51% | 825 / 1,681 | |
| Net Interest Margin | 4.18% | 3.31% | 3.82% | 4.32% | Beats 68% | 532 / 1,683 | |
| Efficiency Ratio | 83.68% | 68.91% | 78.20% | 86.93% | Beats 33% | 1,124 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.03% | 0.26% | 0.65% | 1.29% | Beats 90% | 167 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.62% | 10.44% | 12.89% | 16.53% | Beats 57% | 728 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.62% | 10.44% | 12.89% | 16.53% | Beats 57% | 728 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 59.66% | 52.61% | 69.38% | 83.50% | 34th pctl | 1,110 / 1,683 | |
| Loans / Assets | 51.44% | 44.71% | 59.18% | 70.72% | 36th pctl | 1,071 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||