PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Natrium Employees

Proctor, WV · Charter 24090

NCUA · 1 branch

Q2 2026

$12.0MAssets
$7.3MLoans
$10.5MShares
$1.5MNet 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 2.24%, up 51 bps year over year; NIM at 4.76%.
  • Asset quality: problem loans at 0.78% of loans (-40 bps YoY).
  • Capital: net worth / assets of 12.41%, up 144 bps from a year ago.
  • Funding: loans stand at 69.83% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.24%+51 bps YoY

Net Interest Margin (YTD, annualized)

4.76%+42 bps YoY

Efficiency Ratio (YTD, annualized)

54.18%-849 bps YoY

Net Worth / Assets

12.41%+144 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.73%1.94%1.71%2.03%2.24%+51 bps
Return on Equity15.78%16.49%14.85%16.94%18.06%+228 bps
Net Interest Margin4.34%4.58%4.44%4.74%4.76%+42 bps
Efficiency Ratio62.67%60.37%62.04%56.20%54.18%-849 bps
Growth
Asset Growth (YoY)8.60%6.36%15.36%6.90%5.16%-344 bps
Loan Growth (YoY)8.24%10.85%8.18%8.87%13.74%+551 bps
Share Growth (YoY)8.38%7.17%14.54%5.49%3.53%-485 bps
Asset Quality
Delinquent Loans / Loans1.17%0.99%0.94%0.53%0.78%-40 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 Capital10.98%11.76%11.54%11.98%12.41%+144 bps
Net Worth / Assets10.98%11.76%11.54%11.98%12.41%+144 bps
Liquidity & Funding
Loans / Shares63.56%67.83%65.51%65.24%69.83%+627 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps