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 | |