Beckley, WV · Charter 23722
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
95
Asset Quality
90
Profitability
72
Liquidity
71
Efficiency
84
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.
Beckley, WV · Charter 23722
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 | 0.83% | 0.76% | 0.52% | 0.71% | 0.97% | 1.04% | 1.44% | 1.64% | +93 bps | |
| Return on Equity | 3.40% | 3.07% | 2.15% | 2.93% | 3.89% | 4.08% | 5.65% | 6.22% | +329 bps | |
| Net Interest Margin | 3.53% | 3.56% | 3.49% | 3.47% | 3.61% | 3.69% | 4.05% | 4.27% | +80 bps | |
| Efficiency Ratio | 76.85% | 78.79% | 81.54% | 78.97% | 74.35% | 73.02% | 65.95% | 64.32% | -1,464 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.40% | 1.99% | 1.65% | 1.82% | 1.26% | 0.75% | -0.77% | -2.76% | -458 bps | |
| Loan Growth (YoY) | 4.04% | -1.66% | -4.68% | -4.98% | -1.92% | 0.41% | 7.80% | 12.21% | +1,719 bps | |
| Share Growth (YoY) | 0.59% | 1.22% | 1.05% | 1.33% | 0.26% | -0.21% | -2.56% | -5.52% | -685 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.62% | 0.54% | 2.17% | 1.41% | 0.62% | 0.02% | 0.04% | -213 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 | 24.54% | 24.62% | 24.09% | 24.18% | 25.08% | 25.45% | 25.51% | 26.34% | +216 bps | |
| Net Worth / Assets | 24.54% | 24.62% | 24.09% | 24.18% | 25.08% | 25.45% | 25.51% | 26.34% | +216 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.57% | 54.73% | 50.71% | 50.90% | 54.36% | 55.07% | 56.10% | 60.45% | +955 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Beckley, WV · Charter 23722 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.64%
Rank 190 of 1,683
Net Interest Margin
4.28%
Rank 448 of 1,683
Efficiency Ratio
64.37%
Rank 277 of 1,682
Equity / Assets
26.34%
Rank 81 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.64% | 0.35% | 0.74% | 1.18% | Beats 89% | 190 / 1,683 | ||
| Return on Equity | 6.21% | 2.67% | 5.89% | 8.74% | Beats 54% | 780 / 1,681 | ||
| Net Interest Margin | 4.28% | 3.31% | 3.82% | 4.32% | Beats 73% | 448 / 1,683 | ||
| Efficiency Ratio | 64.37% | 68.91% | 78.20% | 86.93% | Beats 84% | 277 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.04% | 0.26% | 0.65% | 1.29% | Beats 90% | 175 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 26.34% | 10.44% | 12.89% | 16.53% | Beats 95% | 81 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 26.34% | 10.44% | 12.89% | 16.53% | Beats 95% | 81 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.45% | 52.61% | 69.38% | 83.50% | 35th pctl | 1,090 / 1,683 | ||
| Loans / Assets | 44.18% | 44.71% | 59.18% | 70.72% | 24th pctl | 1,274 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||