PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Marshall County

Moundsville, WV · Charter 21713

NCUA · 1 branch

Q2 2026

$26.8MAssets
$10.0MLoans
$22.8MShares
$4.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.45%, up 10 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.12% of loans (-3 bps YoY).
  • Capital: net worth / assets of 15.05%, up 208 bps from a year ago.
  • Funding: loans stand at 43.69% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.45%+10 bps YoY

Net Interest Margin (quarter, annualized)

3.96%+10 bps YoY

Efficiency Ratio (quarter, annualized)

44.47%-89 bps YoY

Net Worth / Assets

15.05%+208 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.35%2.47%2.47%2.29%2.45%+10 bps
Return on Equity18.12%18.14%17.48%16.00%16.29%-183 bps
Net Interest Margin3.87%3.96%3.96%3.89%3.96%+10 bps
Efficiency Ratio45.35%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 / Loans0.15%0.00%0.14%0.14%0.12%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.97%13.61%14.16%14.31%15.05%+208 bps
Net Worth / Assets12.97%13.61%14.16%14.31%15.05%+208 bps
Liquidity & Funding
Loans / Shares41.74%43.34%43.02%41.98%43.69%+196 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps