Martinsburg, WV · Charter 21499
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.47% | 1.60% | 1.56% | 1.14% | 1.16% | -32 bps | |
| Return on Equity | 16.51% | 16.68% | 15.82% | 11.77% | 11.46% | -505 bps | |
| Net Interest Margin | 4.50% | 4.66% | 4.59% | 4.36% | 4.47% | -3 bps | |
| Efficiency Ratio | 66.28% | 65.46% | 65.85% | 72.07% | 72.20% | +592 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.10% | 1.24% | 0.89% | 1.88% | 2.13% | +103 bps | |
| Loan Growth (YoY) | -10.47% | -6.24% | -8.71% | -5.54% | -5.50% | +498 bps | |
| Share Growth (YoY) | -0.57% | -0.44% | -0.71% | 0.51% | 0.88% | +145 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.39% | 1.72% | 1.84% | 1.93% | 2.09% | +70 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.92% | 9.57% | 9.84% | 9.67% | 10.10% | +118 bps | |
| Net Worth / Assets | 8.92% | 9.57% | 9.84% | 9.67% | 10.10% | +118 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |