Middlebourne, WV · Charter 22241
NCUA · 5 branches
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 | 1.08% | 1.04% | 0.96% | 1.08% | 1.05% | 0.93% | 1.14% | 1.03% | -4 bps | |
| Return on Equity | 10.45% | 10.18% | 9.51% | 10.71% | 10.29% | 9.23% | 11.58% | 10.43% | -27 bps | |
| Net Interest Margin | 3.41% | 3.33% | 3.38% | 3.44% | 3.49% | 3.45% | 3.61% | 3.64% | +20 bps | |
| Efficiency Ratio | 60.40% | 63.03% | 66.77% | 62.58% | 63.26% | 65.63% | 64.07% | 64.64% | +206 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.99% | 5.68% | 5.79% | 8.52% | 12.97% | 12.63% | 12.90% | 11.82% | +330 bps | |
| Loan Growth (YoY) | 7.44% | 5.69% | 5.15% | 4.40% | 3.37% | 3.37% | 4.95% | 6.29% | +190 bps | |
| Share Growth (YoY) | 5.31% | 5.08% | 5.06% | 8.20% | 13.14% | 12.86% | 13.18% | 12.03% | +383 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 0.83% | 0.67% | 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 | 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 | 10.36% | 10.26% | 10.07% | 10.08% | 10.20% | 10.03% | 9.88% | 9.91% | -16 bps | |
| Net Worth / Assets | 10.36% | 10.26% | 10.07% | 10.08% | 10.20% | 10.03% | 9.88% | 9.91% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.15% | 80.13% | 76.58% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |