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 | |