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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |