Charleston, WV · Charter 23162
NCUA · 4 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
90
Asset Quality
23
Profitability
64
Liquidity
62
Efficiency
27
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.
Charleston, WV · Charter 23162
NCUA · 4 branches
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 | 1.52% | 1.84% | 1.97% | 1.83% | 1.84% | 1.42% | 1.53% | 0.90% | -93 bps | |
| Return on Equity | 12.30% | 14.46% | 15.76% | 14.94% | 15.00% | 11.93% | 7.58% | 4.14% | -1,080 bps | |
| Net Interest Margin | 4.82% | 4.88% | 4.88% | 4.60% | 4.52% | 4.42% | 5.64% | 5.55% | +95 bps | |
| Efficiency Ratio | 72.11% | 67.47% | 63.08% | 64.64% | 64.38% | 68.96% | 76.76% | 86.28% | +2,164 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.92% | 16.53% | 21.95% | 20.63% | 20.10% | 21.34% | -31.01% | -39.94% | -6,057 bps | |
| Loan Growth (YoY) | -1.76% | -1.44% | -0.88% | -4.60% | -8.61% | -9.33% | -10.56% | -10.82% | -622 bps | |
| Share Growth (YoY) | 31.09% | 16.44% | 21.63% | 19.56% | 19.58% | 21.50% | -37.53% | -46.17% | -6,574 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 1.09% | 1.09% | 1.22% | 1.63% | 1.32% | 1.44% | 1.38% | +16 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 | 12.36% | 12.76% | 12.52% | 12.27% | 12.30% | 11.93% | 20.17% | 21.80% | +954 bps | |
| Net Worth / Assets | 12.36% | 12.76% | 12.52% | 12.27% | 12.30% | 11.93% | 20.17% | 21.80% | +954 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.58% | 55.23% | 51.56% | 47.16% | 44.00% | 41.21% | 73.82% | 78.12% | +3,097 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Charleston, WV · Charter 23162 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.90%
Rank 682 of 1,683
Net Interest Margin
5.55%
Rank 61 of 1,683
Efficiency Ratio
86.29%
Rank 1,237 of 1,682
Equity / Assets
21.81%
Rank 168 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.90% | 0.35% | 0.74% | 1.18% | Beats 59% | 682 / 1,683 | ||
| Return on Equity | 4.13% | 2.67% | 5.89% | 8.74% | Beats 36% | 1,072 / 1,681 | ||
| Net Interest Margin | 5.55% | 3.31% | 3.82% | 4.32% | Beats 96% | 61 / 1,683 | ||
| Efficiency Ratio | 86.29% | 68.91% | 78.20% | 86.93% | Beats 27% | 1,237 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.38% | 0.26% | 0.65% | 1.29% | Beats 23% | 1,289 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.81% | 10.44% | 12.89% | 16.53% | Beats 90% | 168 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.81% | 10.44% | 12.89% | 16.53% | Beats 90% | 168 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.12% | 52.61% | 69.38% | 83.50% | 66th pctl | 572 / 1,683 | ||
| Loans / Assets | 60.49% | 44.71% | 59.18% | 70.72% | 53rd pctl | 792 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||