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KY W VA Gas Co. Employees

Prestonsburg, KY · Charter 19280

NCUA · 1 branch

Q1 2025

Board Package

Performance Trends and Peer Comparison

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

Basis

Quarter: Q1 2025, the quarter ended March 31, 2025, 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=1,675 to 1,678). 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

0

Q2 2024Q1 2025peer median (50)

Asset Quality

5

Q2 2024Q1 2025peer median (50)

Profitability

44

Q2 2024Q1 2025peer median (50)

Liquidity

98

Q2 2024Q1 2025peer median

Efficiency

0

Q2 2024Q1 2025peer 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

KY W VA Gas Co. Employees

Prestonsburg, KY · Charter 19280

NCUA · 1 branch

Q1 2025

$5.3MAssets
$3.7MLoans
$5.3MShares
$-39KNet Worth

Return on Assets (YTD, annualized)

-19.55%-1,955 bps YoY

Net Interest Margin (YTD, annualized)

4.82%+53 bps YoY

Efficiency Ratio (YTD, annualized)

300%+21,747 bps YoY

Net Worth / Assets

-0.73%-724 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Return on Assets-1.71%-0.74%-0.58%0.00%-2.96%-2.52%-4.18%-19.55%-1,955 bps
Net Interest Margin5.00%5.00%4.69%4.29%4.69%5.48%5.68%4.82%+53 bps
Asset Growth (YoY)1.75%0.95%-8.43%11.93%2.48%-11.81%-19.77%-25.07%-3,700 bps
Share Growth (YoY)1.80%1.58%-8.41%8.05%-0.45%-10.69%-17.29%-16.13%-2,418 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital7.01%7.36%7.14%6.52%5.63%6.43%4.69%-0.73%-724 bps
Loans / Shares83.35%80.52%76.11%69.30%73.70%77.84%75.56%69.72%+43 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

KY W VA Gas Co. Employees

Prestonsburg, KY · Charter 19280 · Peer group: credit unions under $1B in assets (n=1,675-1,678)

NCUA · 1 branch

Q1 2025

$5.3MAssets
$3.7MLoans
$5.3MShares
$-39KNet Worth

Return on Assets

-19.55%

Rank 1,670 of 1,678

Net Interest Margin

4.83%

Rank 193 of 1,677

Efficiency Ratio

301%

Rank 1,669 of 1,675

Equity / Assets

-0.74%

Rank 1,676 of 1,677

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets-19.55%0.24%0.67%1.21%Beats 0%1,670 / 1,678
Net Interest Margin4.83%3.12%3.67%4.25%Beats 88%193 / 1,677
Nonperforming Loans / Loans3.14%0.21%0.58%1.19%Beats 5%1,586 / 1,676
Tier 1 Capital Ratio-0.73%10.02%12.33%15.89%Beats 0%1,677 / 1,678
Equity / Assets-0.74%10.02%12.33%15.89%Beats 0%1,676 / 1,677
Loans / Assets69.69%46.21%59.98%70.96%72nd pctl473 / 1,677