Fairmont, WV · Charter 18142
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 | 0.33% | -1.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.54% | 1.46% | +146 bps | |
| Return on Equity | 2.78% | -11.25% | -0.01% | 0.00% | 0.00% | -0.03% | 5.23% | 13.49% | +1,349 bps | |
| Net Interest Margin | 4.67% | 5.02% | 4.74% | 4.85% | 4.45% | 4.63% | 5.72% | 5.93% | +108 bps | |
| Efficiency Ratio | 84.07% | 74.18% | 79.77% | 77.27% | 81.49% | 78.99% | 41.92% | 51.85% | -2,542 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.34% | 6.23% | 1.11% | 2.54% | -0.85% | 4.15% | 1.87% | -1.50% | -403 bps | |
| Loan Growth (YoY) | 14.89% | -2.70% | -8.58% | -9.46% | -9.48% | -5.14% | -9.66% | 2.75% | +1,221 bps | |
| Share Growth (YoY) | 12.92% | 8.94% | 2.92% | 4.53% | 0.89% | 4.65% | 1.98% | -2.37% | -690 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.12% | 3.48% | 9.33% | 4.61% | 3.24% | 12.89% | 9.82% | 9.25% | +464 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 | 5.36% | 2.72% | 3.01% | 3.70% | 3.82% | 4.55% | 5.81% | 5.42% | +171 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.68% | 10.37% | 10.32% | 9.97% | 10.10% | 9.95% | 10.26% | 10.86% | +88 bps | |
| Net Worth / Assets | 11.68% | 10.37% | 10.32% | 9.97% | 10.10% | 9.95% | 10.26% | 10.86% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.34% | 74.31% | 76.14% | 69.38% | 70.29% | 67.36% | 67.45% | 73.02% | +364 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |