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 | |