South Charlesto, WV · Charter 17057
NCUA · 2 branches
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 | 1.52% | 1.54% | 1.35% | 0.48% | 1.40% | -12 bps | |
| Return on Equity | 8.23% | 8.21% | 7.43% | 2.69% | 7.53% | -70 bps | |
| Net Interest Margin | 3.80% | 3.91% | 3.74% | 3.64% | 3.82% | +2 bps | |
| Efficiency Ratio | 67.17% | 67.92% | 70.23% | 84.63% | 68.60% | +143 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.59% | 6.26% | 11.27% | 11.06% | 7.06% | +147 bps | |
| Loan Growth (YoY) | 0.33% | 0.94% | -0.16% | -0.01% | 1.57% | +124 bps | |
| Share Growth (YoY) | 4.90% | 5.49% | 11.21% | 11.57% | 6.74% | +184 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.72% | 0.82% | 0.93% | 0.60% | 0.74% | +2 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 | 18.42% | 18.79% | 18.18% | 17.76% | 18.52% | +10 bps | |
| Net Worth / Assets | 18.42% | 18.79% | 18.18% | 17.76% | 18.52% | +10 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.68% | 72.88% | 68.53% | 65.07% | 67.26% | -342 bps | |
| Liquid Assets / Assets | 98.88% | 99.91% | 98.94% | 99.58% | 0.00% | -9,888 bps | |