Bridgeport, WV · Charter 220
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 | 1.23% | 1.21% | 1.10% | 1.15% | 1.04% | -19 bps | |
| Return on Equity | 6.08% | 5.89% | 5.45% | 5.87% | 5.23% | -85 bps | |
| Net Interest Margin | 3.06% | 3.07% | 2.96% | 2.96% | 3.03% | -3 bps | |
| Efficiency Ratio | 56.42% | 55.75% | 58.41% | 55.47% | 61.33% | +491 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.56% | 3.01% | 5.64% | 7.98% | 7.22% | +467 bps | |
| Loan Growth (YoY) | 0.79% | -1.44% | -4.14% | -1.86% | -1.56% | -235 bps | |
| Share Growth (YoY) | 1.69% | 2.54% | 5.68% | 8.68% | 7.75% | +606 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.16% | 0.00% | 0.08% | 0.64% | 0.38% | +22 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 | 20.26% | 20.49% | 20.11% | 19.51% | 19.89% | -37 bps | |
| Net Worth / Assets | 20.26% | 20.49% | 20.11% | 19.51% | 19.89% | -37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.22% | 60.77% | 56.95% | 55.56% | 56.85% | -538 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |