Kingwood, WV · Charter 23015
NCUA · 1 branch
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
57
Asset Quality
30
Profitability
64
Liquidity
2
Efficiency
90
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.
Kingwood, WV · Charter 23015
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.49% | 1.18% | 0.53% | 0.97% | 1.28% | 1.08% | 1.35% | +82 bps | |
| Return on Equity | 1.82% | 3.90% | 9.23% | 4.11% | 7.35% | 9.53% | 8.01% | 9.89% | +578 bps | |
| Net Interest Margin | 1.97% | 2.11% | 2.89% | 2.55% | 2.86% | 3.23% | 3.39% | 3.39% | +84 bps | |
| Efficiency Ratio | 88.58% | 78.19% | 61.15% | 73.72% | 64.12% | 60.89% | 56.48% | 59.05% | -1,467 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.55% | 0.39% | 1.10% | 1.65% | 4.95% | 1.92% | 3.70% | 4.62% | +297 bps | |
| Loan Growth (YoY) | -0.37% | 0.65% | 0.38% | 5.38% | 5.00% | 15.94% | 13.08% | 17.20% | +1,183 bps | |
| Share Growth (YoY) | -3.11% | 0.11% | 0.77% | 1.10% | 4.53% | 1.09% | 2.86% | 3.74% | +263 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 1.52% | 1.04% | 0.99% | 0.77% | 0.91% | 0.57% | 1.10% | +11 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 | 12.81% | 12.67% | 12.82% | 12.95% | 13.17% | 13.42% | 13.54% | 13.63% | +67 bps | |
| Net Worth / Assets | 12.81% | 12.67% | 12.82% | 12.95% | 13.17% | 13.42% | 13.54% | 13.63% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.79% | 32.70% | 33.59% | 34.70% | 34.95% | 37.50% | 36.93% | 39.21% | +451 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kingwood, WV · Charter 23015 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.34%
Rank 319 of 1,683
Net Interest Margin
3.39%
Rank 1,213 of 1,683
Efficiency Ratio
59.09%
Rank 175 of 1,682
Equity / Assets
13.63%
Rank 726 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.34% | 0.35% | 0.74% | 1.18% | Beats 81% | 319 / 1,683 | ||
| Return on Equity | 9.86% | 2.67% | 5.89% | 8.74% | Beats 82% | 295 / 1,681 | ||
| Net Interest Margin | 3.39% | 3.31% | 3.82% | 4.32% | Beats 28% | 1,213 / 1,683 | ||
| Efficiency Ratio | 59.09% | 68.91% | 78.20% | 86.93% | Beats 90% | 175 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.10% | 0.26% | 0.65% | 1.29% | Beats 30% | 1,180 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.63% | 10.44% | 12.89% | 16.53% | Beats 57% | 726 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.63% | 10.44% | 12.89% | 16.53% | Beats 57% | 726 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 39.21% | 52.61% | 69.38% | 83.50% | 11th pctl | 1,505 / 1,683 | ||
| Loans / Assets | 33.81% | 44.71% | 59.18% | 70.72% | 11th pctl | 1,495 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||