Proctor, WV · Charter 24090
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
45
Asset Quality
44
Profitability
94
Liquidity
98
Efficiency
94
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.
Proctor, WV · Charter 24090
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 | 1.46% | 1.43% | 1.75% | 1.73% | 1.94% | 1.71% | 2.03% | 2.24% | +51 bps | |
| Return on Equity | 13.71% | 12.62% | 16.11% | 15.78% | 16.49% | 14.85% | 16.94% | 18.06% | +228 bps | |
| Net Interest Margin | 3.90% | 4.11% | 4.49% | 4.34% | 4.58% | 4.44% | 4.74% | 4.76% | +42 bps | |
| Efficiency Ratio | 65.11% | 67.70% | 63.38% | 62.67% | 60.37% | 62.04% | 56.20% | 54.18% | -849 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.49% | -7.33% | 0.62% | 8.60% | 6.36% | 15.36% | 6.90% | 5.16% | -344 bps | |
| Loan Growth (YoY) | 13.05% | 14.95% | 8.40% | 8.24% | 10.85% | 8.18% | 8.87% | 13.74% | +551 bps | |
| Share Growth (YoY) | -7.50% | -9.06% | -0.78% | 8.38% | 7.17% | 14.54% | 5.49% | 3.53% | -485 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.27% | 0.23% | 1.17% | 0.99% | 0.94% | 0.53% | 0.78% | -40 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 | 10.68% | 11.34% | 10.89% | 10.98% | 11.76% | 11.54% | 11.98% | 12.41% | +144 bps | |
| Net Worth / Assets | 10.68% | 11.34% | 10.89% | 10.98% | 11.76% | 11.54% | 11.98% | 12.41% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.58% | 69.36% | 63.22% | 63.56% | 67.83% | 65.51% | 65.24% | 69.83% | +627 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Proctor, WV · Charter 24090 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
2.24%
Rank 51 of 1,683
Net Interest Margin
4.76%
Rank 227 of 1,683
Efficiency Ratio
54.25%
Rank 107 of 1,682
Equity / Assets
12.41%
Rank 928 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.24% | 0.35% | 0.74% | 1.18% | Beats 97% | 51 / 1,683 | ||
| Return on Equity | 18.02% | 2.67% | 5.89% | 8.74% | Beats 99% | 18 / 1,681 | ||
| Net Interest Margin | 4.76% | 3.31% | 3.82% | 4.32% | Beats 87% | 227 / 1,683 | ||
| Efficiency Ratio | 54.25% | 68.91% | 78.20% | 86.93% | Beats 94% | 107 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.78% | 0.26% | 0.65% | 1.29% | Beats 44% | 943 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.41% | 10.44% | 12.89% | 16.53% | Beats 45% | 928 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.41% | 10.44% | 12.89% | 16.53% | Beats 45% | 928 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.83% | 52.61% | 69.38% | 83.50% | 51st pctl | 831 / 1,683 | ||
| Loans / Assets | 61.06% | 44.71% | 59.18% | 70.72% | 54th pctl | 770 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||