Bridgeport, WV · Charter 220
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 | 1.06% | 0.96% | 1.44% | 1.23% | 1.21% | 1.10% | 1.15% | 1.04% | -19 bps | |
| Return on Equity | 5.29% | 4.77% | 7.18% | 6.08% | 5.89% | 5.45% | 5.87% | 5.23% | -85 bps | |
| Net Interest Margin | 2.77% | 2.81% | 3.09% | 3.06% | 3.07% | 2.96% | 2.96% | 3.03% | -3 bps | |
| Efficiency Ratio | 59.63% | 63.37% | 54.56% | 56.42% | 55.75% | 58.41% | 55.47% | 61.33% | +491 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.38% | 2.79% | 2.05% | 2.56% | 3.01% | 5.64% | 7.98% | 7.22% | +467 bps | |
| Loan Growth (YoY) | 6.25% | 2.41% | 0.15% | 0.79% | -1.44% | -4.14% | -1.86% | -1.56% | -235 bps | |
| Share Growth (YoY) | 3.06% | 2.48% | 1.07% | 1.69% | 2.54% | 5.68% | 8.68% | 7.75% | +606 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.00% | 0.22% | 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 | 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 | 20.09% | 20.18% | 20.07% | 20.26% | 20.49% | 20.11% | 19.51% | 19.89% | -37 bps | |
| Net Worth / Assets | 20.09% | 20.18% | 20.07% | 20.26% | 20.49% | 20.11% | 19.51% | 19.89% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.22% | 62.78% | 61.53% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |