PackageTrendsPeer
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Fairmont

Fairmont, WV · Charter 3439

NCUA · 9 branches

Q2 2026

$603.1MAssets
$382.1MLoans
$542.4MShares
$58.5MNet 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 0.86%, down 1 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.69% of loans (+23 bps YoY).
  • Capital: net worth / assets of 9.71%, up 20 bps from a year ago.
  • Funding: loans stand at 70.44% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.86%-1 bps YoY

Net Interest Margin (quarter, annualized)

3.03%+18 bps YoY

Efficiency Ratio (quarter, annualized)

78.43%+188 bps YoY

Net Worth / Assets

9.71%+20 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.89%0.86%0.61%0.86%-1 bps
Return on Equity9.11%9.13%8.93%6.40%8.86%-24 bps
Net Interest Margin2.84%2.93%2.89%2.98%3.03%+18 bps
Efficiency Ratio76.55%76.70%76.56%83.93%78.43%+188 bps
Growth
Asset Growth (YoY)10.42%9.51%9.28%7.67%6.85%-357 bps
Loan Growth (YoY)7.77%6.75%7.55%5.96%5.05%-272 bps
Share Growth (YoY)10.41%8.75%8.28%6.71%6.02%-438 bps
Asset Quality
Delinquent Loans / Loans0.46%0.41%0.55%0.30%0.69%+23 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 Capital9.51%9.77%9.68%9.48%9.71%+20 bps
Net Worth / Assets9.51%9.77%9.68%9.48%9.71%+20 bps
Liquidity & Funding
Loans / Shares71.10%72.69%72.18%69.03%70.44%-66 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps