South Charlesto, WV · Charter 16989
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.50% | 0.77% | 0.73% | 0.81% | 0.79% | 0.69% | 0.74% | +1 bps | |
| Return on Equity | 1.10% | 0.88% | 1.36% | 1.29% | 1.42% | 1.37% | 1.17% | 1.24% | -5 bps | |
| Net Interest Margin | 3.27% | 3.33% | 3.33% | 3.36% | 3.39% | 3.41% | 3.75% | 3.67% | +32 bps | |
| Efficiency Ratio | 79.29% | 83.31% | 75.06% | 76.55% | 74.60% | 75.22% | 80.04% | 77.73% | +117 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.61% | -5.21% | -3.02% | -1.49% | -0.25% | 0.56% | -2.34% | -3.66% | -217 bps | |
| Loan Growth (YoY) | 7.08% | 2.73% | 1.70% | 1.46% | -2.47% | -2.63% | -2.08% | -2.01% | -347 bps | |
| Share Growth (YoY) | -11.10% | -12.04% | -8.12% | -4.86% | -2.28% | -1.12% | -6.82% | -9.92% | -507 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.48% | 3.30% | 2.50% | 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 | 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 | 56.17% | 57.12% | 56.77% | 56.81% | 56.94% | 57.59% | 58.91% | 59.78% | +296 bps | |
| Net Worth / Assets | 56.17% | 57.12% | 56.77% | 56.81% | 56.94% | 57.59% | 58.91% | 59.78% | +296 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.44% | 77.71% | 76.69% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |