Parkersburg, WV · Charter 21100
NCUA · 2 branches
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
82
Asset Quality
37
Profitability
59
Liquidity
0
Efficiency
54
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 21100
NCUA · 2 branches
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 | 1.57% | 1.68% | 1.56% | 1.23% | 1.03% | -54 bps | |
| Return on Equity | 9.17% | 9.27% | 8.90% | 6.90% | 5.60% | -357 bps | |
| Net Interest Margin | 4.02% | 4.21% | 3.93% | 3.95% | 4.03% | +1 bps | |
| Efficiency Ratio | 69.31% | 68.53% | 69.09% | 73.25% | 77.02% | +772 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.43% | 3.72% | 5.39% | 4.69% | 0.29% | -514 bps | |
| Loan Growth (YoY) | -9.32% | -9.42% | -10.40% | -10.56% | -10.50% | -118 bps | |
| Share Growth (YoY) | 4.65% | 2.68% | 4.46% | 3.73% | -1.27% | -592 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.28% | 1.06% | 1.70% | 1.23% | 0.92% | -37 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.17% | 18.10% | 17.49% | 17.85% | 18.44% | +128 bps | |
| Net Worth / Assets | 17.17% | 18.10% | 17.49% | 17.85% | 18.44% | +128 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.87% | 39.42% | 34.19% | 33.59% | 34.33% | -354 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Parkersburg, WV · Charter 21100 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.04%
Rank 560 of 1,683
Net Interest Margin
4.03%
Rank 646 of 1,683
Efficiency Ratio
77.03%
Rank 779 of 1,682
Equity / Assets
18.44%
Rank 306 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.04% | 0.35% | 0.74% | 1.18% | Beats 67% | 560 / 1,683 | |
| Return on Equity | 5.62% | 2.67% | 5.89% | 8.74% | Beats 47% | 886 / 1,681 | |
| Net Interest Margin | 4.03% | 3.31% | 3.82% | 4.32% | Beats 62% | 646 / 1,683 | |
| Efficiency Ratio | 77.03% | 68.91% | 78.20% | 86.93% | Beats 54% | 779 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.92% | 0.26% | 0.65% | 1.29% | Beats 37% | 1,063 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.44% | 10.44% | 12.89% | 16.53% | Beats 82% | 306 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.44% | 10.44% | 12.89% | 16.53% | Beats 82% | 306 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 34.33% | 52.61% | 69.38% | 83.50% | 7th pctl | 1,562 / 1,683 | |
| Loans / Assets | 27.92% | 44.71% | 59.18% | 70.72% | 6th pctl | 1,574 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||