Kingwood, WV · Charter 23015
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |