Wheeling, WV · Charter 20957
NCUA · 1 branch
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
38
Asset Quality
9
Profitability
41
Liquidity
55
Efficiency
10
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.
Wheeling, WV · Charter 20957
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 | 0.55% | 0.61% | 0.43% | 0.08% | 0.05% | -50 bps | |
| Return on Equity | 4.42% | 4.59% | 3.48% | 0.65% | 0.42% | -401 bps | |
| Net Interest Margin | 6.95% | 7.22% | 6.63% | 6.09% | 5.84% | -111 bps | |
| Efficiency Ratio | 83.40% | 83.20% | 86.06% | 92.76% | 96.26% | +1,286 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.20% | -13.62% | -8.49% | -12.71% | 7.44% | +1,665 bps | |
| Loan Growth (YoY) | -0.40% | -4.62% | -5.16% | -9.78% | -4.82% | -442 bps | |
| Share Growth (YoY) | -10.83% | -15.86% | -10.01% | -14.58% | 8.34% | +1,916 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.59% | 2.66% | 1.25% | 0.85% | 2.83% | +224 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.51% | 1.79% | 1.54% | 1.68% | 1.55% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.37% | 13.23% | 12.36% | 12.33% | 11.69% | -68 bps | |
| Net Worth / Assets | 12.37% | 13.23% | 12.36% | 12.33% | 11.69% | -68 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.68% | 91.28% | 82.93% | 77.80% | 79.67% | -1,101 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wheeling, WV · Charter 20957 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.07%
Rank 1,456 of 1,683
Net Interest Margin
5.88%
Rank 49 of 1,683
Efficiency Ratio
95.74%
Rank 1,520 of 1,682
Equity / Assets
11.68%
Rank 1,045 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.35% | 0.74% | 1.18% | Beats 13% | 1,456 / 1,683 | |
| Return on Equity | 0.59% | 2.67% | 5.89% | 8.74% | Beats 14% | 1,452 / 1,681 | |
| Net Interest Margin | 5.88% | 3.31% | 3.82% | 4.32% | Beats 97% | 49 / 1,683 | |
| Efficiency Ratio | 95.74% | 68.91% | 78.20% | 86.93% | Beats 10% | 1,520 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.81% | 0.26% | 0.65% | 1.29% | Beats 9% | 1,540 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.68% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,045 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.68% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,045 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.67% | 52.61% | 69.38% | 83.50% | 69th pctl | 525 / 1,683 | |
| Loans / Assets | 70.17% | 44.71% | 59.18% | 70.72% | 74th pctl | 441 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||