Martinsburg, WV · Charter 19890
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 | 0.43% | 0.68% | 1.50% | 1.77% | 1.78% | 1.43% | 0.04% | 1.34% | -43 bps | |
| Return on Equity | 4.17% | 6.41% | 13.96% | 15.59% | 15.52% | 12.21% | 0.36% | 10.98% | -461 bps | |
| Net Interest Margin | 5.10% | 5.16% | 5.00% | 5.15% | 5.04% | 4.93% | 4.89% | 4.89% | -26 bps | |
| Efficiency Ratio | 69.71% | 71.36% | 77.29% | 73.61% | 72.84% | 77.71% | 79.88% | 68.87% | -474 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.67% | -5.05% | -3.15% | -6.67% | 4.82% | 3.52% | 0.88% | 3.60% | +1,026 bps | |
| Loan Growth (YoY) | -6.84% | -6.20% | -3.29% | -6.20% | -9.03% | -10.68% | -14.59% | -13.04% | -685 bps | |
| Share Growth (YoY) | -9.98% | -5.84% | -4.28% | -8.23% | 3.46% | 2.24% | -0.11% | 2.68% | +1,091 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.15% | 0.36% | 0.36% | 0.11% | 0.40% | 0.76% | 0.16% | -20 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.29% | 10.63% | 10.73% | 11.36% | 11.50% | 11.70% | 11.70% | 12.18% | +82 bps | |
| Net Worth / Assets | 10.29% | 10.63% | 10.73% | 11.36% | 11.50% | 11.70% | 11.70% | 12.18% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.61% | 86.18% | 84.76% | 82.88% | 77.04% | 75.29% | 72.48% | 70.19% | -1,269 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |