Martinsburg, WV · Charter 21499
NCUA · 1 branch
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
21
Asset Quality
86
Profitability
80
Liquidity
38
Efficiency
67
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.
Martinsburg, WV · Charter 21499
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 | 1.73% | 1.67% | 1.40% | 1.47% | 1.60% | 1.56% | 1.14% | 1.16% | -32 bps | |
| Return on Equity | 21.45% | 19.96% | 16.62% | 16.51% | 16.68% | 15.82% | 11.77% | 11.46% | -505 bps | |
| Net Interest Margin | 4.67% | 4.57% | 4.32% | 4.50% | 4.66% | 4.59% | 4.36% | 4.47% | -3 bps | |
| Efficiency Ratio | 63.53% | 63.26% | 67.97% | 66.28% | 65.46% | 65.85% | 72.07% | 72.20% | +592 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.68% | -6.46% | -5.45% | 1.10% | 1.24% | 0.89% | 1.88% | 2.13% | +103 bps | |
| Loan Growth (YoY) | -12.99% | -14.34% | -14.38% | -10.47% | -6.24% | -8.71% | -5.54% | -5.50% | +498 bps | |
| Share Growth (YoY) | -6.75% | -8.62% | -7.49% | -0.57% | -0.44% | -0.71% | 0.51% | 0.88% | +145 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.16% | 1.06% | 0.15% | 0.13% | 0.13% | 0.11% | 0.10% | -5 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 | 0.92% | 1.17% | 1.30% | 1.39% | 1.72% | 1.84% | 1.93% | 2.09% | +70 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.08% | 8.36% | 8.40% | 8.92% | 9.57% | 9.84% | 9.67% | 10.10% | +118 bps | |
| Net Worth / Assets | 8.08% | 8.36% | 8.40% | 8.92% | 9.57% | 9.84% | 9.67% | 10.10% | +118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.11% | 56.70% | 53.72% | 53.87% | 55.66% | 52.13% | 50.49% | 50.47% | -340 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Martinsburg, WV · Charter 21499 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.15%
Rank 454 of 1,683
Net Interest Margin
4.46%
Rank 346 of 1,683
Efficiency Ratio
72.36%
Rank 556 of 1,682
Equity / Assets
10.10%
Rank 1,322 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.15% | 0.35% | 0.74% | 1.18% | Beats 73% | 454 / 1,683 | ||
| Return on Equity | 11.36% | 2.67% | 5.89% | 8.74% | Beats 89% | 178 / 1,681 | ||
| Net Interest Margin | 4.46% | 3.31% | 3.82% | 4.32% | Beats 79% | 346 / 1,683 | ||
| Efficiency Ratio | 72.36% | 68.91% | 78.20% | 86.93% | Beats 67% | 556 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.11% | 0.26% | 0.65% | 1.29% | Beats 86% | 244 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.10% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,322 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.10% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,322 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.47% | 52.61% | 69.38% | 83.50% | 22nd pctl | 1,314 / 1,683 | ||
| Loans / Assets | 45.32% | 44.71% | 59.18% | 70.72% | 26th pctl | 1,248 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||