Clarksburg, WV · Charter 6674
NCUA · 3 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 | 0.52% | 0.64% | 0.72% | 0.61% | 0.62% | +10 bps | |
| Return on Equity | 3.59% | 4.35% | 4.82% | 4.22% | 4.31% | +72 bps | |
| Net Interest Margin | 3.49% | 3.64% | 3.75% | 3.84% | 3.87% | +38 bps | |
| Efficiency Ratio | 85.24% | 83.35% | 82.47% | 79.43% | 82.19% | -305 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.10% | 4.52% | 5.17% | 4.73% | 6.30% | +20 bps | |
| Loan Growth (YoY) | -2.57% | 3.34% | 7.58% | 7.56% | 4.39% | +696 bps | |
| Share Growth (YoY) | 6.68% | 4.55% | 5.02% | 4.47% | 6.40% | -28 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.38% | 1.47% | 0.99% | 0.87% | 0.89% | -48 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 | 14.45% | 14.69% | 14.87% | 14.41% | 14.33% | -12 bps | |
| Net Worth / Assets | 14.45% | 14.69% | 14.87% | 14.41% | 14.33% | -12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.81% | 79.22% | 81.71% | 76.78% | 74.37% | -143 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |