Charleston, WV · Charter 3576
NCUA · 5 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.67% | 0.68% | 0.40% | 0.52% | +1 bps | |
| Return on Equity | 4.53% | 5.84% | 6.00% | 3.57% | 4.59% | +5 bps | |
| Net Interest Margin | 3.06% | 3.15% | 3.10% | 2.96% | 3.05% | -1 bps | |
| Efficiency Ratio | 84.98% | 81.91% | 81.48% | 85.38% | 83.06% | -192 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.10% | 7.11% | 8.68% | 8.65% | 4.77% | +67 bps | |
| Loan Growth (YoY) | -4.17% | -1.63% | 3.67% | 3.90% | 10.27% | +1,444 bps | |
| Share Growth (YoY) | 4.37% | 6.79% | 8.57% | 8.50% | 4.31% | -6 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.15% | 0.11% | 0.16% | 0.06% | 0.07% | -8 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.08% | 11.39% | 11.29% | 11.09% | 11.26% | +17 bps | |
| Net Worth / Assets | 11.08% | 11.39% | 11.29% | 11.09% | 11.26% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.33% | 64.09% | 64.15% | 62.29% | 65.89% | +356 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |