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 | |