PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hancock School Emp.

Weirton, WV · Charter 21115

NCUA · 1 branch

Q2 2026

$24.0MAssets
$5.1MLoans
$21.3MShares
$2.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.70%, up 41 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 0.41% of loans (-102 bps YoY).
  • Capital: net worth / assets of 11.62%, up 41 bps from a year ago.
  • Funding: loans stand at 24.02% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.70%+41 bps YoY

Net Interest Margin (YTD, annualized)

2.64%+36 bps YoY

Efficiency Ratio (YTD, annualized)

69.92%-1,767 bps YoY

Net Worth / Assets

11.62%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%0.41%0.80%0.72%0.70%+41 bps
Return on Equity2.56%3.53%7.04%6.36%5.99%+344 bps
Net Interest Margin2.28%2.46%2.52%2.65%2.64%+36 bps
Efficiency Ratio87.59%83.61%68.55%73.11%69.92%-1,767 bps
Growth
Asset Growth (YoY)0.17%0.79%0.13%0.16%-0.80%-97 bps
Loan Growth (YoY)-3.85%-7.17%-11.37%-12.75%-17.58%-1,373 bps
Share Growth (YoY)-0.48%0.26%-0.28%-0.42%-1.60%-112 bps
Asset Quality
Delinquent Loans / Loans1.43%0.68%0.67%0.43%0.41%-102 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.22%11.56%11.41%11.31%11.62%+41 bps
Net Worth / Assets11.22%11.56%11.41%11.31%11.62%+41 bps
Liquidity & Funding
Loans / Shares28.67%28.87%26.99%24.77%24.02%-466 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps