Eleanor, WV · Charter 21107
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 in the Huntington-Ashland, WV-KY-OH area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
81
Asset Quality
87
Profitability
94
Liquidity
90
Efficiency
100
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.
Eleanor, WV · Charter 21107
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 | 1.34% | 1.84% | 1.65% | 3.02% | 3.81% | +247 bps | |
| Return on Equity | 6.84% | 9.02% | 7.93% | 14.47% | 18.15% | +1,131 bps | |
| Net Interest Margin | 3.49% | 3.85% | 3.66% | 7.24% | 5.74% | +225 bps | |
| Efficiency Ratio | 56.44% | 45.49% | 45.74% | 58.26% | 33.91% | -2,253 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.72% | 2.03% | 0.59% | 1.30% | 0.89% | +261 bps | |
| Loan Growth (YoY) | -3.41% | 0.38% | 0.47% | 1.13% | -0.18% | +323 bps | |
| Share Growth (YoY) | -2.68% | 0.28% | -1.34% | -0.56% | -0.93% | +175 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 0.25% | 0.53% | 0.00% | 0.14% | +4 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 | 19.54% | 20.40% | 20.82% | 20.87% | 21.00% | +146 bps | |
| Net Worth / Assets | 19.54% | 20.40% | 20.82% | 20.87% | 21.00% | +146 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.57% | 63.35% | 63.70% | 60.33% | 60.03% | +45 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Eleanor, WV · Charter 21107 · Peer group: credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area (n=16)
NCUA · 2 branches
Q2 2026
Return on Assets
3.81%
Rank 1 of 16
Net Interest Margin
5.75%
Rank 1 of 16
Efficiency Ratio
33.82%
Rank 1 of 16
Equity / Assets
21.00%
Rank 3 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.81% | 0.26% | 0.64% | 1.04% | Beats 94% | 1 / 16 | |
| Return on Equity | 18.13% | 2.11% | 6.23% | 8.05% | Beats 94% | 1 / 16 | |
| Net Interest Margin | 5.75% | 3.27% | 3.61% | 4.55% | Beats 94% | 1 / 16 | |
| Efficiency Ratio | 33.82% | 73.53% | 78.18% | 86.56% | Beats 100% | 1 / 16 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.13% | 0.76% | 1.98% | 4.44% | Beats 87% | 3 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 21.00% | 11.13% | 12.88% | 16.82% | Beats 81% | 3 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 21.00% | 11.13% | 12.88% | 16.82% | Beats 81% | 3 / 16 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.02% | 50.42% | 58.02% | 68.47% | 56th pctl | 7 / 16 | |
| Loans / Assets | 47.24% | 44.10% | 51.06% | 58.46% | 38th pctl | 10 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||