Morgantown, WV · Charter 21305
NCUA · 4 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
96
Asset Quality
7
Profitability
29
Liquidity
3
Efficiency
46
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.
Morgantown, WV · Charter 21305
NCUA · 4 branches
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 | 1.29% | 1.16% | 0.74% | 0.84% | 0.77% | 0.73% | 0.49% | 0.63% | -22 bps | |
| Return on Equity | 4.69% | 4.23% | 2.69% | 3.03% | 2.76% | 2.62% | 1.75% | 2.28% | -75 bps | |
| Net Interest Margin | 3.30% | 3.22% | 3.06% | 3.12% | 3.17% | 3.12% | 3.24% | 3.29% | +17 bps | |
| Efficiency Ratio | 67.69% | 70.30% | 76.98% | 75.82% | 72.69% | 74.69% | 82.58% | 79.52% | +370 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.31% | 1.18% | -0.85% | -0.19% | 0.87% | 0.92% | 1.96% | 3.52% | +371 bps | |
| Loan Growth (YoY) | -5.11% | -5.28% | -1.93% | 3.22% | 1.98% | 0.03% | 0.38% | 0.23% | -299 bps | |
| Share Growth (YoY) | -1.07% | 0.20% | -2.34% | -1.45% | 0.14% | 0.30% | 1.78% | 3.98% | +543 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.00% | 2.58% | 2.58% | 3.66% | 2.46% | 3.45% | 2.57% | 3.21% | -45 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 | 27.54% | 27.49% | 27.63% | 27.88% | 28.09% | 27.98% | 27.76% | 27.55% | -33 bps | |
| Net Worth / Assets | 27.54% | 27.49% | 27.63% | 27.88% | 28.09% | 27.98% | 27.76% | 27.55% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.14% | 91.00% | 92.24% | 94.86% | 93.83% | 90.76% | 90.97% | 91.43% | -342 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Morgantown, WV · Charter 21305 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.63%
Rank 976 of 1,683
Net Interest Margin
3.29%
Rank 1,278 of 1,683
Efficiency Ratio
79.54%
Rank 911 of 1,682
Equity / Assets
27.55%
Rank 69 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.63% | 0.35% | 0.74% | 1.18% | Beats 42% | 976 / 1,683 | ||
| Return on Equity | 2.28% | 2.67% | 5.89% | 8.74% | Beats 22% | 1,311 / 1,681 | ||
| Net Interest Margin | 3.29% | 3.31% | 3.82% | 4.32% | Beats 24% | 1,278 / 1,683 | ||
| Efficiency Ratio | 79.54% | 68.91% | 78.20% | 86.93% | Beats 46% | 911 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.21% | 0.26% | 0.65% | 1.29% | Beats 7% | 1,566 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 27.55% | 10.44% | 12.89% | 16.53% | Beats 96% | 69 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 27.55% | 10.44% | 12.89% | 16.53% | Beats 96% | 69 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.43% | 52.61% | 69.38% | 83.50% | 89th pctl | 185 / 1,683 | ||
| Loans / Assets | 66.07% | 44.71% | 59.18% | 70.72% | 64th pctl | 598 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||