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 | |