Parkersburg, WV · Charter 21057
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |