Fairmont, WV · Charter 3439
NCUA · 9 branches
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
17
Asset Quality
48
Profitability
49
Liquidity
95
Efficiency
49
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.
Fairmont, WV · Charter 3439
NCUA · 9 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 | 0.82% | 0.81% | 0.69% | 0.87% | 0.89% | 0.86% | 0.61% | 0.86% | -1 bps | |
| Return on Equity | 8.36% | 8.37% | 7.31% | 9.11% | 9.13% | 8.93% | 6.40% | 8.86% | -24 bps | |
| Net Interest Margin | 2.89% | 2.81% | 2.76% | 2.84% | 2.93% | 2.89% | 2.98% | 3.03% | +18 bps | |
| Efficiency Ratio | 79.30% | 78.88% | 80.59% | 76.55% | 76.70% | 76.56% | 83.93% | 78.43% | +188 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.41% | 9.00% | 11.05% | 10.42% | 9.51% | 9.28% | 7.67% | 6.85% | -357 bps | |
| Loan Growth (YoY) | -3.13% | 0.68% | 4.76% | 7.77% | 6.75% | 7.55% | 5.96% | 5.05% | -272 bps | |
| Share Growth (YoY) | 5.55% | 9.36% | 11.35% | 10.41% | 8.75% | 8.28% | 6.71% | 6.02% | -438 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.44% | 0.31% | 0.46% | 0.41% | 0.55% | 0.30% | 0.69% | +23 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 | 9.80% | 9.70% | 9.38% | 9.51% | 9.77% | 9.68% | 9.48% | 9.71% | +20 bps | |
| Net Worth / Assets | 9.80% | 9.70% | 9.38% | 9.51% | 9.77% | 9.68% | 9.48% | 9.71% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.06% | 72.67% | 69.53% | 71.10% | 72.69% | 72.18% | 69.03% | 70.44% | -66 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fairmont, WV · Charter 3439 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
Return on Assets
0.86%
Rank 727 of 1,683
Net Interest Margin
3.03%
Rank 1,439 of 1,683
Efficiency Ratio
78.43%
Rank 857 of 1,682
Equity / Assets
9.71%
Rank 1,395 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.86% | 0.35% | 0.74% | 1.18% | Beats 57% | 727 / 1,683 | ||
| Return on Equity | 8.86% | 2.67% | 5.89% | 8.74% | Beats 76% | 409 / 1,681 | ||
| Net Interest Margin | 3.03% | 3.31% | 3.82% | 4.32% | Beats 14% | 1,439 / 1,683 | ||
| Efficiency Ratio | 78.43% | 68.91% | 78.20% | 86.93% | Beats 49% | 857 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.69% | 0.26% | 0.65% | 1.29% | Beats 48% | 869 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.71% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,395 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.71% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,395 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.44% | 52.61% | 69.38% | 83.50% | 52nd pctl | 815 / 1,683 | ||
| Loans / Assets | 63.35% | 44.71% | 59.18% | 70.72% | 59th pctl | 686 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||