Weirton, WV · Charter 3264
NCUA · 8 branches
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 | 2.17% | 2.07% | 1.73% | 1.79% | 1.83% | 1.78% | 1.60% | 1.67% | -13 bps | |
| Return on Equity | 12.79% | 12.06% | 10.13% | 10.33% | 10.30% | 9.89% | 8.89% | 9.18% | -115 bps | |
| Net Interest Margin | 3.34% | 3.22% | 2.86% | 2.90% | 2.95% | 2.90% | 2.80% | 2.87% | -3 bps | |
| Efficiency Ratio | 41.49% | 42.27% | 45.93% | 44.93% | 44.63% | 45.43% | 49.07% | 48.00% | +307 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.90% | 8.28% | 8.05% | 6.92% | 6.34% | 5.85% | 5.28% | 5.48% | -145 bps | |
| Loan Growth (YoY) | 1.38% | 0.95% | 0.57% | 0.52% | -1.62% | -2.03% | -2.65% | -2.47% | -299 bps | |
| Share Growth (YoY) | 6.49% | 7.28% | 7.04% | 5.98% | 5.40% | 4.70% | 4.27% | 4.48% | -150 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.49% | 0.19% | 0.48% | 0.47% | 0.37% | 0.27% | 0.15% | -34 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 | 16.96% | 17.15% | 17.08% | 17.36% | 17.77% | 17.98% | 17.95% | 18.15% | +80 bps | |
| Net Worth / Assets | 16.96% | 17.15% | 17.08% | 17.36% | 17.77% | 17.98% | 17.95% | 18.15% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.73% | 26.23% | 25.23% | 25.01% | 24.95% | 24.54% | 23.55% | 23.34% | -166 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |