Middlebourne, WV · Charter 22241
NCUA · 5 branches
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
19
Asset Quality
31
Profitability
64
Liquidity
92
Efficiency
83
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.
Middlebourne, WV · Charter 22241
NCUA · 5 branches
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 | 1.08% | 1.05% | 0.93% | 1.14% | 1.03% | -4 bps | |
| Return on Equity | 10.71% | 10.29% | 9.23% | 11.58% | 10.43% | -27 bps | |
| Net Interest Margin | 3.44% | 3.49% | 3.45% | 3.61% | 3.64% | +20 bps | |
| Efficiency Ratio | 62.58% | 63.26% | 65.63% | 64.07% | 64.64% | +206 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.52% | 12.97% | 12.63% | 12.90% | 11.82% | +330 bps | |
| Loan Growth (YoY) | 4.40% | 3.37% | 3.37% | 4.95% | 6.29% | +190 bps | |
| Share Growth (YoY) | 8.20% | 13.14% | 12.86% | 13.18% | 12.03% | +383 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.84% | 0.69% | 1.27% | 1.03% | 1.08% | +24 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 | 10.08% | 10.20% | 10.03% | 9.88% | 9.91% | -16 bps | |
| Net Worth / Assets | 10.08% | 10.20% | 10.03% | 9.88% | 9.91% | -16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.15% | 75.97% | 73.40% | 71.01% | 71.30% | -385 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Middlebourne, WV · Charter 22241 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
1.03%
Rank 564 of 1,683
Net Interest Margin
3.64%
Rank 1,002 of 1,683
Efficiency Ratio
64.65%
Rank 283 of 1,682
Equity / Assets
9.91%
Rank 1,363 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 0.35% | 0.74% | 1.18% | Beats 66% | 564 / 1,683 | |
| Return on Equity | 10.43% | 2.67% | 5.89% | 8.74% | Beats 85% | 245 / 1,681 | |
| Net Interest Margin | 3.64% | 3.31% | 3.82% | 4.32% | Beats 40% | 1,002 / 1,683 | |
| Efficiency Ratio | 64.65% | 68.91% | 78.20% | 86.93% | Beats 83% | 283 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.08% | 0.26% | 0.65% | 1.29% | Beats 31% | 1,169 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.91% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,363 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.91% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,363 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.30% | 52.61% | 69.38% | 83.50% | 54th pctl | 781 / 1,683 | |
| Loans / Assets | 64.13% | 44.71% | 59.18% | 70.72% | 61st pctl | 655 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||