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 | |