Weirton, WV · Charter 21115
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.16% | 0.06% | 0.29% | 0.41% | 0.80% | 0.72% | 0.70% | +41 bps | |
| Return on Equity | 7.96% | 1.40% | 0.56% | 2.56% | 3.53% | 7.04% | 6.36% | 5.99% | +344 bps | |
| Net Interest Margin | 2.57% | 2.65% | 1.98% | 2.28% | 2.46% | 2.52% | 2.65% | 2.64% | +36 bps | |
| Efficiency Ratio | 65.00% | 94.17% | 96.99% | 87.59% | 83.61% | 68.55% | 73.11% | 69.92% | -1,767 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.12% | -1.02% | 0.33% | 0.17% | 0.79% | 0.13% | 0.16% | -0.80% | -97 bps | |
| Loan Growth (YoY) | 9.56% | -0.54% | -4.46% | -3.85% | -7.17% | -11.37% | -12.75% | -17.58% | -1,373 bps | |
| Share Growth (YoY) | -1.20% | -1.17% | -0.54% | -0.48% | 0.26% | -0.28% | -0.42% | -1.60% | -112 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.18% | 1.52% | 1.43% | 0.68% | 0.67% | 0.43% | 0.41% | -102 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 | 11.42% | 11.37% | 10.90% | 11.22% | 11.56% | 11.41% | 11.31% | 11.62% | +41 bps | |
| Net Worth / Assets | 11.42% | 11.37% | 10.90% | 11.22% | 11.56% | 11.41% | 11.31% | 11.62% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.18% | 30.37% | 28.27% | 28.67% | 28.87% | 26.99% | 24.77% | 24.02% | -466 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |