Kearneysville, WV · Charter 22337
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.60% | 1.98% | 1.95% | 2.22% | 2.20% | 1.92% | 1.73% | -22 bps | |
| Return on Equity | 2.10% | 4.99% | 16.20% | 15.17% | 16.35% | 15.67% | 13.41% | 12.45% | -272 bps | |
| Net Interest Margin | 2.63% | 2.98% | 4.19% | 4.29% | 4.74% | 4.80% | 4.33% | 4.39% | +9 bps | |
| Efficiency Ratio | 91.75% | 82.92% | 56.69% | 57.57% | 55.30% | 56.58% | 58.47% | 63.36% | +579 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.67% | -9.02% | -0.34% | 2.32% | 3.47% | 1.57% | 0.11% | 1.37% | -95 bps | |
| Loan Growth (YoY) | -0.32% | 1.98% | -2.51% | -10.06% | -8.04% | -7.48% | -7.49% | -6.54% | +352 bps | |
| Share Growth (YoY) | -9.59% | -6.23% | -1.25% | 1.40% | 1.57% | -0.78% | -2.47% | -0.08% | -147 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 2.53% | 0.12% | 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 | 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 | 11.94% | 12.08% | 12.24% | 12.83% | 13.56% | 14.04% | 14.33% | 13.88% | +104 bps | |
| Net Worth / Assets | 11.94% | 12.08% | 12.24% | 12.83% | 13.56% | 14.04% | 14.33% | 13.88% | +104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.97% | 31.52% | 29.33% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |