PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Valley One Community

Steubenville, OH · Charter 16756

NCUA · 1 branch

Q2 2026

$42.2MAssets
$8.5MLoans
$37.4MShares
$5.1MNet 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 0.64%, down 6 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.16% of loans (+6 bps YoY).
  • Capital: net worth / assets of 12.17%, down 46 bps from a year ago.
  • Funding: loans stand at 22.80% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.64%-6 bps YoY

Net Interest Margin (YTD, annualized)

2.82%-2 bps YoY

Efficiency Ratio (YTD, annualized)

78.90%+37 bps YoY

Net Worth / Assets

12.17%-46 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.73%0.74%0.62%0.64%-6 bps
Return on Equity5.56%5.88%5.97%5.06%5.30%-26 bps
Net Interest Margin2.84%2.82%2.83%2.78%2.82%-2 bps
Efficiency Ratio78.53%77.65%77.39%80.74%78.90%+37 bps
Growth
Asset Growth (YoY)1.90%6.35%6.36%9.28%10.19%+829 bps
Loan Growth (YoY)0.59%-3.05%-4.27%-5.12%-9.49%-1,008 bps
Share Growth (YoY)1.03%5.95%6.45%9.68%10.72%+969 bps
Asset Quality
Delinquent Loans / Loans0.10%0.75%1.04%0.13%0.16%+6 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 Capital12.63%12.40%12.40%12.31%12.17%-46 bps
Net Worth / Assets12.63%12.40%12.40%12.31%12.17%-46 bps
Liquidity & Funding
Loans / Shares27.90%26.80%25.29%24.24%22.80%-509 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps