PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

South Charleston Employees

South Charlesto, WV · Charter 16989

NCUA · 1 branch

Q2 2026

$14.2MAssets
$4.6MLoans
$5.7MShares
$8.5MNet 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 0.74%, up 1 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 3.54% of loans (-127 bps YoY).
  • Capital: net worth / assets of 59.78%, up 296 bps from a year ago.
  • Funding: loans stand at 81.35% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.74%+1 bps YoY

Net Interest Margin (quarter, annualized)

3.67%+32 bps YoY

Efficiency Ratio (quarter, annualized)

77.73%+117 bps YoY

Net Worth / Assets

59.78%+296 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.81%0.79%0.69%0.74%+1 bps
Return on Equity1.29%1.42%1.37%1.17%1.24%-5 bps
Net Interest Margin3.36%3.39%3.41%3.75%3.67%+32 bps
Efficiency Ratio76.55%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 / Loans4.81%4.56%4.01%2.01%3.54%-127 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 Capital56.81%56.94%57.59%58.91%59.78%+296 bps
Net Worth / Assets56.81%56.94%57.59%58.91%59.78%+296 bps
Liquidity & Funding
Loans / Shares74.78%75.29%76.52%80.59%81.35%+657 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps