Kearneysville, WV · Charter 22337
NCUA · 1 branch
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
59
Asset Quality
71
Profitability
87
Liquidity
0
Efficiency
85
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.
Kearneysville, WV · Charter 22337
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 | 1.95% | 2.22% | 2.20% | 1.92% | 1.73% | -22 bps | |
| Return on Equity | 15.17% | 16.35% | 15.67% | 13.41% | 12.45% | -272 bps | |
| Net Interest Margin | 4.29% | 4.74% | 4.80% | 4.33% | 4.39% | +9 bps | |
| Efficiency Ratio | 57.57% | 55.30% | 56.58% | 58.47% | 63.36% | +579 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.32% | 3.47% | 1.57% | 0.11% | 1.37% | -95 bps | |
| Loan Growth (YoY) | -10.06% | -8.04% | -7.48% | -7.49% | -6.54% | +352 bps | |
| Share Growth (YoY) | 1.40% | 1.57% | -0.78% | -2.47% | -0.08% | -147 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.17% | 0.16% | 0.83% | 0.16% | 0.32% | +15 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 | 12.83% | 13.56% | 14.04% | 14.33% | 13.88% | +104 bps | |
| Net Worth / Assets | 12.83% | 13.56% | 14.04% | 14.33% | 13.88% | +104 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.00% | 29.85% | 29.39% | 27.81% | 27.12% | -188 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kearneysville, WV · Charter 22337 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.73%
Rank 153 of 1,683
Net Interest Margin
4.38%
Rank 388 of 1,683
Efficiency Ratio
63.52%
Rank 255 of 1,682
Equity / Assets
13.88%
Rank 690 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.73% | 0.35% | 0.74% | 1.18% | Beats 91% | 153 / 1,683 | |
| Return on Equity | 12.46% | 2.67% | 5.89% | 8.74% | Beats 93% | 114 / 1,681 | |
| Net Interest Margin | 4.38% | 3.31% | 3.82% | 4.32% | Beats 77% | 388 / 1,683 | |
| Efficiency Ratio | 63.52% | 68.91% | 78.20% | 86.93% | Beats 85% | 255 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.33% | 0.26% | 0.65% | 1.29% | Beats 71% | 494 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.88% | 10.44% | 12.89% | 16.53% | Beats 59% | 690 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.88% | 10.44% | 12.89% | 16.53% | Beats 59% | 690 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 27.13% | 52.61% | 69.38% | 83.50% | 4th pctl | 1,618 / 1,683 | |
| Loans / Assets | 23.31% | 44.71% | 59.18% | 70.72% | 4th pctl | 1,612 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||