Parkersburg, WV · Charter 21100
NCUA · 2 branches
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 | 1.13% | 1.16% | 1.23% | 1.57% | 1.68% | 1.56% | 1.23% | 1.03% | -54 bps | |
| Return on Equity | 6.63% | 6.90% | 7.24% | 9.17% | 9.27% | 8.90% | 6.90% | 5.60% | -357 bps | |
| Net Interest Margin | 4.17% | 4.03% | 3.87% | 4.02% | 4.21% | 3.93% | 3.95% | 4.03% | +1 bps | |
| Efficiency Ratio | 78.68% | 75.97% | 74.95% | 69.31% | 68.53% | 69.09% | 73.25% | 77.02% | +772 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.29% | -3.52% | 0.97% | 5.43% | 3.72% | 5.39% | 4.69% | 0.29% | -514 bps | |
| Loan Growth (YoY) | -6.21% | -7.63% | -7.59% | -9.32% | -9.42% | -10.40% | -10.56% | -10.50% | -118 bps | |
| Share Growth (YoY) | -4.01% | -5.41% | -0.28% | 4.65% | 2.68% | 4.46% | 3.73% | -1.27% | -592 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 1.28% | 1.36% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.11% | 16.79% | 17.05% | 17.17% | 18.10% | 17.49% | 17.85% | 18.44% | +128 bps | |
| Net Worth / Assets | 17.11% | 16.79% | 17.05% | 17.17% | 18.10% | 17.49% | 17.85% | 18.44% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.69% | 39.86% | 38.95% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |