Alloy, WV · Charter 20324
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
66
Asset Quality
16
Profitability
59
Liquidity
75
Efficiency
56
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.
Alloy, WV · Charter 20324
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.56% | 0.93% | 0.77% | 0.92% | 1.04% | 1.00% | 0.86% | +10 bps | |
| Return on Equity | 3.78% | 3.73% | 6.47% | 5.33% | 6.18% | 6.95% | 6.90% | 5.86% | +53 bps | |
| Net Interest Margin | 3.61% | 3.67% | 4.34% | 4.05% | 4.22% | 4.21% | 4.06% | 4.23% | +18 bps | |
| Efficiency Ratio | 83.97% | 81.94% | 74.12% | 75.76% | 76.41% | 75.67% | 81.79% | 76.46% | +69 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.94% | -6.30% | -2.72% | 0.73% | 6.13% | 8.16% | 6.54% | 5.18% | +445 bps | |
| Loan Growth (YoY) | -5.99% | -7.72% | -7.41% | -5.44% | -5.22% | -7.61% | -3.81% | -0.79% | +465 bps | |
| Share Growth (YoY) | -5.22% | -7.95% | -3.78% | -0.11% | 6.06% | 8.18% | 6.19% | 4.86% | +497 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.26% | 2.14% | 1.35% | 1.34% | 1.20% | 1.83% | 1.06% | 1.83% | +49 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 | 14.97% | 15.08% | 14.42% | 14.42% | 14.88% | 14.94% | 14.52% | 14.73% | +31 bps | |
| Net Worth / Assets | 14.97% | 15.08% | 14.42% | 14.42% | 14.88% | 14.94% | 14.52% | 14.73% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.59% | 88.79% | 81.31% | 79.43% | 79.17% | 75.83% | 73.65% | 75.14% | -428 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Alloy, WV · Charter 20324 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.86%
Rank 723 of 1,683
Net Interest Margin
4.23%
Rank 483 of 1,683
Efficiency Ratio
76.43%
Rank 748 of 1,682
Equity / Assets
14.73%
Rank 579 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.86% | 0.35% | 0.74% | 1.18% | Beats 57% | 723 / 1,683 | ||
| Return on Equity | 5.87% | 2.67% | 5.89% | 8.74% | Beats 50% | 846 / 1,681 | ||
| Net Interest Margin | 4.23% | 3.31% | 3.82% | 4.32% | Beats 71% | 483 / 1,683 | ||
| Efficiency Ratio | 76.43% | 68.91% | 78.20% | 86.93% | Beats 56% | 748 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.83% | 0.26% | 0.65% | 1.29% | Beats 16% | 1,417 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.73% | 10.44% | 12.89% | 16.53% | Beats 66% | 579 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.73% | 10.44% | 12.89% | 16.53% | Beats 66% | 579 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.15% | 52.61% | 69.38% | 83.50% | 60th pctl | 671 / 1,683 | ||
| Loans / Assets | 64.04% | 44.71% | 59.18% | 70.72% | 61st pctl | 659 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||