PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Martinsburg V.A. Center

Kearneysville, WV · Charter 22337

NCUA · 1 branch

Q2 2026

$17.1MAssets
$4.0MLoans
$14.7MShares
$2.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.73%, down 22 bps year over year; NIM at 4.39%.
  • Asset quality: problem loans at 0.32% of loans (+15 bps YoY).
  • Capital: net worth / assets of 13.88%, up 104 bps from a year ago.
  • Funding: loans stand at 27.12% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.73%-22 bps YoY

Net Interest Margin (YTD, annualized)

4.39%+9 bps YoY

Efficiency Ratio (YTD, annualized)

63.36%+579 bps YoY

Net Worth / Assets

13.88%+104 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.95%2.22%2.20%1.92%1.73%-22 bps
Return on Equity15.17%16.35%15.67%13.41%12.45%-272 bps
Net Interest Margin4.29%4.74%4.80%4.33%4.39%+9 bps
Efficiency Ratio57.57%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 / Loans0.17%0.16%0.83%0.16%0.32%+15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.83%13.56%14.04%14.33%13.88%+104 bps
Net Worth / Assets12.83%13.56%14.04%14.33%13.88%+104 bps
Liquidity & Funding
Loans / Shares29.00%29.85%29.39%27.81%27.12%-188 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps