Fairmont, WV · Charter 22428
NCUA · 2 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
88
Asset Quality
56
Profitability
66
Liquidity
0
Efficiency
76
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.
Fairmont, WV · Charter 22428
NCUA · 2 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 | 1.40% | 1.50% | 1.82% | 1.24% | 1.16% | -24 bps | |
| Return on Equity | 6.99% | 6.96% | 8.29% | 5.94% | 5.62% | -137 bps | |
| Net Interest Margin | 4.59% | 4.99% | 4.92% | 4.49% | 4.32% | -27 bps | |
| Efficiency Ratio | 61.37% | 59.63% | 60.11% | 69.09% | 68.36% | +698 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.51% | 3.19% | 2.47% | 2.59% | 4.10% | -141 bps | |
| Loan Growth (YoY) | -9.86% | -7.72% | -9.16% | -5.80% | -1.65% | +821 bps | |
| Share Growth (YoY) | 3.77% | 2.50% | 0.82% | 0.30% | 4.05% | +28 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.40% | 0.50% | 0.22% | 0.52% | 0.53% | +13 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 | 20.04% | 21.53% | 21.96% | 20.92% | 20.72% | +68 bps | |
| Net Worth / Assets | 20.04% | 21.53% | 21.96% | 20.92% | 20.72% | +68 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.64% | 42.76% | 41.16% | 38.22% | 37.47% | -217 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fairmont, WV · Charter 22428 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.17%
Rank 429 of 1,683
Net Interest Margin
4.33%
Rank 417 of 1,683
Efficiency Ratio
68.14%
Rank 402 of 1,682
Equity / Assets
20.72%
Rank 202 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.17% | 0.35% | 0.74% | 1.18% | Beats 75% | 429 / 1,683 | |
| Return on Equity | 5.63% | 2.67% | 5.89% | 8.74% | Beats 47% | 884 / 1,681 | |
| Net Interest Margin | 4.33% | 3.31% | 3.82% | 4.32% | Beats 75% | 417 / 1,683 | |
| Efficiency Ratio | 68.14% | 68.91% | 78.20% | 86.93% | Beats 76% | 402 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.54% | 0.26% | 0.65% | 1.29% | Beats 56% | 733 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 20.72% | 10.44% | 12.89% | 16.53% | Beats 88% | 202 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 20.72% | 10.44% | 12.89% | 16.53% | Beats 88% | 202 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 37.47% | 52.61% | 69.38% | 83.50% | 9th pctl | 1,529 / 1,683 | |
| Loans / Assets | 29.67% | 44.71% | 59.18% | 70.72% | 7th pctl | 1,559 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||