Beckley, WV · Charter 23722
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 | 0.83% | 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 | |