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McDowell County

Welch, WV · Charter 18950

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

93

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

12

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

8

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

McDowell County

Welch, WV · Charter 18950

NCUA · 1 branch

Q2 2026

$68KAssets
$7KLoans
$52KShares
$16KNet 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 0.50%, up 338 bps year over year; NIM at 2.81%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 23.60%, down 25 bps from a year ago.
  • Funding: loans stand at 12.85% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.50%+338 bps YoY

Net Interest Margin (YTD, annualized)

2.81%-91 bps YoY

Efficiency Ratio (YTD, annualized)

89.25%+737 bps YoY

Net Worth / Assets

23.60%-25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-2.88%-1.58%0.01%1.58%0.50%+338 bps
Return on Equity-12.08%-6.84%0.04%6.48%2.10%+1,418 bps
Net Interest Margin3.72%3.26%2.28%3.25%2.81%-91 bps
Efficiency Ratio81.88%78.72%105.54%51.39%89.25%+737 bps
Growth
Asset Growth (YoY)-38.60%-36.82%-37.87%7.62%8.32%+4,693 bps
Loan Growth (YoY)-37.31%-44.24%-14.78%-25.31%-32.44%+486 bps
Share Growth (YoY)-44.84%-42.49%-44.88%9.75%8.71%+5,355 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans15.21%17.80%2.14%2.94%4.08%-1,113 bps
Capital
Risk-Based Capital23.85%23.03%24.82%24.41%23.60%-25 bps
Net Worth / Assets23.85%23.03%24.82%24.41%23.60%-25 bps
Liquidity & Funding
Loans / Shares20.68%16.74%28.83%20.19%12.85%-783 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

McDowell County

Welch, WV · Charter 18950 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$68KAssets
$7KLoans
$52KShares
$16KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
  • Widest gap: efficiency ratio trails 92% of credit unions under $1B in assets (rank 1562 of 1682).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.00%

Rank 1,478 of 1,683

Net Interest Margin

2.94%

Rank 1,482 of 1,683

Efficiency Ratio

100.00%

Rank 1,562 of 1,682

Equity / Assets

23.53%

Rank 125 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.00%0.35%0.74%1.18%Beats 12%1,478 / 1,683
Return on Equity0.00%2.67%5.89%8.74%Beats 12%1,478 / 1,681
Net Interest Margin2.94%3.31%3.82%4.32%Beats 12%1,482 / 1,683
Efficiency Ratio100.00%68.91%78.20%86.93%Beats 8%1,562 / 1,682
Asset Quality
Nonperforming Loans / Loans0.00%0.26%0.65%1.29%Beats 100%132 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio23.53%10.44%12.89%16.53%Beats 93%125 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets23.53%10.44%12.89%16.53%Beats 93%125 / 1,683
Liquidity & Funding
Loans / Deposits13.46%52.61%69.38%83.50%1st pctl1,670 / 1,683
Loans / Assets10.29%44.71%59.18%70.72%1st pctl1,670 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution