South Charlesto, WV · Charter 16989
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
100
Asset Quality
6
Profitability
36
Liquidity
47
Efficiency
51
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.
South Charlesto, WV · Charter 16989
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 | 0.73% | 0.81% | 0.79% | 0.69% | 0.74% | +1 bps | |
| Return on Equity | 1.29% | 1.42% | 1.37% | 1.17% | 1.24% | -5 bps | |
| Net Interest Margin | 3.36% | 3.39% | 3.41% | 3.75% | 3.67% | +32 bps | |
| Efficiency Ratio | 76.55% | 74.60% | 75.22% | 80.04% | 77.73% | +117 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.49% | -0.25% | 0.56% | -2.34% | -3.66% | -217 bps | |
| Loan Growth (YoY) | 1.46% | -2.47% | -2.63% | -2.08% | -2.01% | -347 bps | |
| Share Growth (YoY) | -4.86% | -2.28% | -1.12% | -6.82% | -9.92% | -507 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.81% | 4.56% | 4.01% | 2.01% | 3.54% | -127 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 | 56.81% | 56.94% | 57.59% | 58.91% | 59.78% | +296 bps | |
| Net Worth / Assets | 56.81% | 56.94% | 57.59% | 58.91% | 59.78% | +296 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.78% | 75.29% | 76.52% | 80.59% | 81.35% | +657 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
South Charlesto, WV · Charter 16989 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.74%
Rank 836 of 1,683
Net Interest Margin
3.67%
Rank 978 of 1,683
Efficiency Ratio
78.07%
Rank 833 of 1,682
Equity / Assets
59.78%
Rank 3 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 0.35% | 0.74% | 1.18% | Beats 50% | 836 / 1,683 | |
| Return on Equity | 1.25% | 2.67% | 5.89% | 8.74% | Beats 17% | 1,403 / 1,681 | |
| Net Interest Margin | 3.67% | 3.31% | 3.82% | 4.32% | Beats 42% | 978 / 1,683 | |
| Efficiency Ratio | 78.07% | 68.91% | 78.20% | 86.93% | Beats 51% | 833 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.53% | 0.26% | 0.65% | 1.29% | Beats 6% | 1,585 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 59.78% | 10.44% | 12.89% | 16.53% | Beats 100% | 3 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 59.78% | 10.44% | 12.89% | 16.53% | Beats 100% | 3 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.36% | 52.61% | 69.38% | 83.50% | 72nd pctl | 475 / 1,683 | |
| Loans / Assets | 32.62% | 44.71% | 59.18% | 70.72% | 10th pctl | 1,512 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||