PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

West Virginia Central

Parkersburg, WV · Charter 24888

NCUA · 3 branches

Q2 2026

$341.3MAssets
$229.1MLoans
$295.3MShares
$45.2MNet 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 1.06%, down 48 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.87% of loans (+43 bps YoY).
  • Capital: net worth / assets of 13.23%, down 15 bps from a year ago.
  • Funding: loans stand at 77.57% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.06%-48 bps YoY

Net Interest Margin (YTD, annualized)

2.99%+15 bps YoY

Efficiency Ratio (YTD, annualized)

71.08%+1,423 bps YoY

Net Worth / Assets

13.23%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.54%1.57%1.10%1.81%1.06%-48 bps
Return on Equity11.49%11.49%8.20%13.58%7.99%-350 bps
Net Interest Margin2.84%2.89%2.60%2.92%2.99%+15 bps
Efficiency Ratio56.85%57.55%66.54%54.40%71.08%+1,423 bps
Growth
Asset Growth (YoY)2.49%2.76%8.63%7.93%8.16%+567 bps
Loan Growth (YoY)2.47%2.39%2.83%2.63%3.40%+92 bps
Share Growth (YoY)8.78%9.17%8.46%7.61%7.94%-84 bps
Asset Quality
Delinquent Loans / Loans0.43%0.49%0.68%0.76%0.87%+43 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 Capital13.38%13.67%13.43%13.33%13.23%-15 bps
Net Worth / Assets13.38%13.67%13.43%13.33%13.23%-15 bps
Liquidity & Funding
Loans / Shares80.98%80.83%79.76%76.06%77.57%-341 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps