PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Putnam School Employees

Eleanor, WV · Charter 21107

NCUA · 2 branches

Q2 2026

$14.1MAssets
$6.7MLoans
$11.1MShares
$3.0MNet Worth

Executive Summary

  • Earnings: ROA of 3.81%, up 247 bps year over year; NIM at 5.74%.
  • Asset quality: problem loans at 0.14% of loans (+4 bps YoY).
  • Capital: net worth / assets of 21.00%, up 146 bps from a year ago.
  • Funding: loans stand at 60.03% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

3.81%+247 bps YoY

Net Interest Margin (YTD, annualized)

5.74%+225 bps YoY

Efficiency Ratio (YTD, annualized)

33.91%-2,253 bps YoY

Net Worth / Assets

21.00%+146 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.03%1.61%1.55%1.34%1.84%1.65%3.02%3.81%+247 bps
Return on Equity10.71%8.36%8.00%6.84%9.02%7.93%14.47%18.15%+1,131 bps
Net Interest Margin3.62%3.59%3.49%3.49%3.85%3.66%7.24%5.74%+225 bps
Efficiency Ratio44.24%55.31%55.69%56.44%45.49%45.74%58.26%33.91%-2,253 bps
Growth
Asset Growth (YoY)-7.84%-7.03%-2.58%-1.72%2.03%0.59%1.30%0.89%+261 bps
Loan Growth (YoY)2.96%-1.82%-5.68%-3.41%0.38%0.47%1.13%-0.18%+323 bps
Share Growth (YoY)-11.16%-10.22%-4.90%-2.68%0.28%-1.34%-0.56%-0.93%+175 bps
Asset Quality
Delinquent Loans / Loans0.91%0.66%1.00%0.09%0.25%0.53%0.00%0.14%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.98%19.28%19.38%19.54%20.40%20.82%20.87%21.00%+146 bps
Net Worth / Assets18.98%19.28%19.38%19.54%20.40%20.82%20.87%21.00%+146 bps
Liquidity & Funding
Loans / Shares63.28%62.56%59.32%59.57%63.35%63.70%60.33%60.03%+45 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps