Moundsville, WV · Charter 21713
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 | 2.25% | 2.28% | 2.24% | 2.35% | 2.47% | 2.47% | 2.29% | 2.45% | +10 bps | |
| Return on Equity | 18.11% | 18.19% | 17.92% | 18.12% | 18.14% | 17.48% | 16.00% | 16.29% | -183 bps | |
| Net Interest Margin | 3.82% | 3.73% | 3.79% | 3.87% | 3.96% | 3.96% | 3.89% | 3.96% | +10 bps | |
| Efficiency Ratio | 47.70% | 46.31% | 47.19% | 45.35% | 43.98% | 43.99% | 46.83% | 44.47% | -89 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.04% | 4.76% | 9.61% | 6.71% | 11.75% | 7.17% | 5.32% | 3.36% | -335 bps | |
| Loan Growth (YoY) | 6.22% | 5.80% | 9.03% | 6.81% | 6.94% | 6.22% | 4.57% | 5.63% | -118 bps | |
| Share Growth (YoY) | -1.30% | 2.65% | 8.01% | 4.74% | 10.22% | 5.18% | 3.16% | 0.90% | -384 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.29% | 0.18% | 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 | 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 | 12.44% | 12.52% | 12.50% | 12.97% | 13.61% | 14.16% | 14.31% | 15.05% | +208 bps | |
| Net Worth / Assets | 12.44% | 12.52% | 12.50% | 12.97% | 13.61% | 14.16% | 14.31% | 15.05% | +208 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.67% | 42.60% | 41.41% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |