Welch, WV · Charter 18950
NCUA · 1 branch
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 | -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 Margin | 3.72% | 3.26% | 2.28% | 3.25% | 2.81% | -91 bps | |
| Efficiency Ratio | 81.88% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 15.21% | 17.80% | 2.14% | 2.94% | 4.08% | -1,113 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.85% | 23.03% | 24.82% | 24.41% | 23.60% | -25 bps | |
| Net Worth / Assets | 23.85% | 23.03% | 24.82% | 24.41% | 23.60% | -25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 20.68% | 16.74% | 28.83% | 20.19% | 12.85% | -783 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |