Moundsville, WV · Charter 21713
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
67
Asset Quality
85
Profitability
85
Liquidity
16
Efficiency
98
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.
Moundsville, WV · Charter 21713
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.35% | 2.47% | 2.47% | 2.29% | 2.45% | +10 bps | |
| Return on Equity | 18.12% | 18.14% | 17.48% | 16.00% | 16.29% | -183 bps | |
| Net Interest Margin | 3.87% | 3.96% | 3.96% | 3.89% | 3.96% | +10 bps | |
| Efficiency Ratio | 45.35% | 43.98% | 43.99% | 46.83% | 44.47% | -89 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.71% | 11.75% | 7.17% | 5.32% | 3.36% | -335 bps | |
| Loan Growth (YoY) | 6.81% | 6.94% | 6.22% | 4.57% | 5.63% | -118 bps | |
| Share Growth (YoY) | 4.74% | 10.22% | 5.18% | 3.16% | 0.90% | -384 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.15% | 0.00% | 0.14% | 0.14% | 0.12% | -3 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.97% | 13.61% | 14.16% | 14.31% | 15.05% | +208 bps | |
| Net Worth / Assets | 12.97% | 13.61% | 14.16% | 14.31% | 15.05% | +208 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.74% | 43.34% | 43.02% | 41.98% | 43.69% | +196 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Moundsville, WV · Charter 21713 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
2.45%
Rank 32 of 1,683
Net Interest Margin
3.96%
Rank 696 of 1,683
Efficiency Ratio
44.35%
Rank 31 of 1,682
Equity / Assets
15.05%
Rank 547 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.45% | 0.35% | 0.74% | 1.18% | Beats 98% | 32 / 1,683 | |
| Return on Equity | 16.28% | 2.67% | 5.89% | 8.74% | Beats 98% | 32 / 1,681 | |
| Net Interest Margin | 3.96% | 3.31% | 3.82% | 4.32% | Beats 59% | 696 / 1,683 | |
| Efficiency Ratio | 44.35% | 68.91% | 78.20% | 86.93% | Beats 98% | 31 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.12% | 0.26% | 0.65% | 1.29% | Beats 85% | 254 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.05% | 10.44% | 12.89% | 16.53% | Beats 67% | 547 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.05% | 10.44% | 12.89% | 16.53% | Beats 67% | 547 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 43.69% | 52.61% | 69.38% | 83.50% | 15th pctl | 1,433 / 1,683 | |
| Loans / Assets | 37.09% | 44.71% | 59.18% | 70.72% | 16th pctl | 1,422 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||