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 | |