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 | |