Parkersburg, WV · Charter 21057
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
35
Asset Quality
87
Profitability
25
Liquidity
58
Efficiency
6
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.
Parkersburg, WV · Charter 21057
NCUA · 1 branch
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 | 0.41% | 0.46% | 0.41% | 0.45% | 0.35% | 0.33% | -0.41% | -0.19% | -63 bps | |
| Return on Equity | 3.83% | 4.12% | 3.75% | 3.88% | 2.96% | 2.68% | -3.48% | -1.66% | -554 bps | |
| Net Interest Margin | 4.16% | 4.23% | 4.05% | 4.33% | 4.37% | 4.46% | 4.06% | 3.95% | -38 bps | |
| Efficiency Ratio | 90.46% | 89.96% | 90.28% | 90.06% | 91.87% | 92.38% | 105.85% | 101.57% | +1,151 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.26% | -6.73% | -4.06% | -6.22% | -5.81% | -6.58% | -7.49% | 1.25% | +747 bps | |
| Loan Growth (YoY) | -11.33% | -11.64% | -9.50% | -6.81% | -4.10% | -1.88% | -4.17% | -1.08% | +572 bps | |
| Share Growth (YoY) | -4.20% | -8.06% | -5.06% | -7.51% | -6.91% | -7.72% | -8.59% | 1.28% | +879 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.22% | 0.25% | 0.19% | 0.16% | 0.00% | 0.00% | 0.07% | -12 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 | 0.45% | 0.48% | 0.52% | 0.58% | 0.55% | 0.59% | 0.64% | 0.68% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.83% | 11.25% | 10.85% | 11.48% | 11.91% | 12.38% | 11.84% | 11.34% | -14 bps | |
| Net Worth / Assets | 10.83% | 11.25% | 10.85% | 11.48% | 11.91% | 12.38% | 11.84% | 11.34% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.69% | 83.53% | 79.28% | 80.77% | 85.19% | 88.82% | 83.12% | 78.89% | -188 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Parkersburg, WV · Charter 21057 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.18%
Rank 1,533 of 1,683
Net Interest Margin
3.92%
Rank 744 of 1,683
Efficiency Ratio
102.21%
Rank 1,576 of 1,682
Equity / Assets
11.34%
Rank 1,094 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.18% | 0.35% | 0.74% | 1.18% | Beats 9% | 1,533 / 1,683 | ||
| Return on Equity | -1.62% | 2.67% | 5.89% | 8.74% | Beats 9% | 1,536 / 1,681 | ||
| Net Interest Margin | 3.92% | 3.31% | 3.82% | 4.32% | Beats 56% | 744 / 1,683 | ||
| Efficiency Ratio | 102.21% | 68.91% | 78.20% | 86.93% | Beats 6% | 1,576 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.08% | 0.26% | 0.65% | 1.29% | Beats 87% | 213 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.34% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,094 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.34% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,094 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.89% | 52.61% | 69.38% | 83.50% | 67th pctl | 551 / 1,683 | ||
| Loans / Assets | 69.81% | 44.71% | 59.18% | 70.72% | 73rd pctl | 450 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||