PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Raleigh Co. Educators

Beckley, WV · Charter 23722

NCUA · 1 branch

Q2 2026

$21.3MAssets
$9.4MLoans
$15.5MShares
$5.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.64%, up 93 bps year over year; NIM at 4.27%.
  • Asset quality: problem loans at 0.04% of loans (-213 bps YoY).
  • Capital: net worth / assets of 26.34%, up 216 bps from a year ago.
  • Funding: loans stand at 60.45% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.64%+93 bps YoY

Net Interest Margin (YTD, annualized)

4.27%+80 bps YoY

Efficiency Ratio (YTD, annualized)

64.32%-1,464 bps YoY

Net Worth / Assets

26.34%+216 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.97%1.04%1.44%1.64%+93 bps
Return on Equity2.93%3.89%4.08%5.65%6.22%+329 bps
Net Interest Margin3.47%3.61%3.69%4.05%4.27%+80 bps
Efficiency Ratio78.97%74.35%73.02%65.95%64.32%-1,464 bps
Growth
Asset Growth (YoY)1.82%1.26%0.75%-0.77%-2.76%-458 bps
Loan Growth (YoY)-4.98%-1.92%0.41%7.80%12.21%+1,719 bps
Share Growth (YoY)1.33%0.26%-0.21%-2.56%-5.52%-685 bps
Asset Quality
Delinquent Loans / Loans2.17%1.41%0.62%0.02%0.04%-213 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital24.18%25.08%25.45%25.51%26.34%+216 bps
Net Worth / Assets24.18%25.08%25.45%25.51%26.34%+216 bps
Liquidity & Funding
Loans / Shares50.90%54.36%55.07%56.10%60.45%+955 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps