Apple Grove, WV · Charter 22681
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
44
Asset Quality
53
Profitability
49
Liquidity
0
Efficiency
43
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.
Apple Grove, WV · Charter 22681
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 | 0.42% | 0.25% | 0.75% | 0.46% | 0.34% | -8 bps | |
| Return on Equity | 3.34% | 1.94% | 5.58% | 3.76% | 2.76% | -59 bps | |
| Net Interest Margin | 6.67% | 6.84% | 7.16% | 6.47% | 6.60% | -7 bps | |
| Efficiency Ratio | 91.26% | 92.45% | 87.40% | 80.70% | 80.50% | -1,076 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.04% | -7.26% | -1.69% | 6.79% | 7.26% | +1,529 bps | |
| Loan Growth (YoY) | -10.59% | -11.22% | -10.64% | -5.86% | 0.56% | +1,115 bps | |
| Share Growth (YoY) | -9.66% | -8.93% | -1.67% | 7.06% | 7.70% | +1,737 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.08% | 0.08% | 0.79% | 0.49% | 0.60% | +53 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.56% | 0.43% | 0.32% | 0.68% | 0.78% | +22 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.58% | 12.81% | 13.35% | 12.36% | 12.39% | -19 bps | |
| Net Worth / Assets | 12.58% | 12.81% | 13.35% | 12.36% | 12.39% | -19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 104.71% | 104.65% | 102.73% | 93.37% | 97.77% | -694 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Apple Grove, WV · Charter 22681 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.33%
Rank 1,285 of 1,683
Net Interest Margin
6.58%
Rank 19 of 1,683
Efficiency Ratio
80.75%
Rank 966 of 1,682
Equity / Assets
12.39%
Rank 935 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.35% | 0.74% | 1.18% | Beats 24% | 1,285 / 1,683 | |
| Return on Equity | 2.68% | 2.67% | 5.89% | 8.74% | Beats 25% | 1,259 / 1,681 | |
| Net Interest Margin | 6.58% | 3.31% | 3.82% | 4.32% | Beats 99% | 19 / 1,683 | |
| Efficiency Ratio | 80.75% | 68.91% | 78.20% | 86.93% | Beats 43% | 966 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.60% | 0.26% | 0.65% | 1.29% | Beats 53% | 794 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.39% | 10.44% | 12.89% | 16.53% | Beats 44% | 935 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.39% | 10.44% | 12.89% | 16.53% | Beats 44% | 935 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.76% | 52.61% | 69.38% | 83.50% | 95th pctl | 80 / 1,683 | |
| Loans / Assets | 85.65% | 44.71% | 59.18% | 70.72% | 98th pctl | 34 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||