Clarksburg, WV · Charter 6674
NCUA · 3 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 | 0.24% | 0.31% | 0.20% | 0.52% | 0.64% | 0.72% | 0.61% | 0.62% | +10 bps | |
| Return on Equity | 1.65% | 2.06% | 1.37% | 3.59% | 4.35% | 4.82% | 4.22% | 4.31% | +72 bps | |
| Net Interest Margin | 3.34% | 3.39% | 3.32% | 3.49% | 3.64% | 3.75% | 3.84% | 3.87% | +38 bps | |
| Efficiency Ratio | 90.37% | 89.00% | 91.13% | 85.24% | 83.35% | 82.47% | 79.43% | 82.19% | -305 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.41% | -1.43% | 5.59% | 6.10% | 4.52% | 5.17% | 4.73% | 6.30% | +20 bps | |
| Loan Growth (YoY) | -0.55% | -2.62% | -3.98% | -2.57% | 3.34% | 7.58% | 7.56% | 4.39% | +696 bps | |
| Share Growth (YoY) | -0.70% | 3.72% | 6.21% | 6.68% | 4.55% | 5.02% | 4.47% | 6.40% | -28 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.12% | 1.62% | 0.22% | 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 | 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 | 14.73% | 14.89% | 14.26% | 14.45% | 14.69% | 14.87% | 14.41% | 14.33% | -12 bps | |
| Net Worth / Assets | 14.73% | 14.89% | 14.26% | 14.45% | 14.69% | 14.87% | 14.41% | 14.33% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.15% | 79.77% | 74.58% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |