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The State

Charleston, WV · Charter 67222

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

73

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

62

Q2 2024Q2 2026peer median

Efficiency

78

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

The State

Charleston, WV · Charter 67222

NCUA · 2 branches

Q2 2026

$95.3MAssets
$53.9MLoans
$75.7MShares
$18.2MNet 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 1.26%, down 45 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.25% of loans (+15 bps YoY).
  • Capital: net worth / assets of 19.12%, up 33 bps from a year ago.
  • Funding: loans stand at 71.17% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.26%-45 bps YoY

Net Interest Margin (YTD, annualized)

3.72%-35 bps YoY

Efficiency Ratio (YTD, annualized)

69.33%+750 bps YoY

Net Worth / Assets

19.12%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.71%1.61%1.59%1.04%1.26%-45 bps
Return on Equity9.11%8.54%8.38%5.52%6.62%-249 bps
Net Interest Margin4.06%3.99%3.95%3.57%3.72%-35 bps
Efficiency Ratio61.83%63.55%63.89%73.50%69.33%+750 bps
Growth
Asset Growth (YoY)3.20%4.49%6.52%6.19%5.87%+267 bps
Loan Growth (YoY)2.09%-2.47%-2.65%-6.18%-0.16%-225 bps
Share Growth (YoY)2.37%4.05%5.74%5.99%4.82%+245 bps
Asset Quality
Delinquent Loans / Loans0.11%0.18%0.06%0.06%0.25%+15 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 Capital18.79%18.89%19.03%18.83%19.12%+33 bps
Net Worth / Assets18.79%18.89%19.03%18.83%19.12%+33 bps
Liquidity & Funding
Loans / Shares74.72%72.38%69.97%67.14%71.17%-355 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

The State

Charleston, WV · Charter 67222 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)

NCUA · 2 branches

Q2 2026

$95.3MAssets
$53.9MLoans
$75.7MShares
$18.2MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 82% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 11 of 60).
  • Widest gap: net interest margin trails 60% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 36 of 60).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.27%

Rank 11 of 60

Net Interest Margin

3.72%

Rank 36 of 60

Efficiency Ratio

69.33%

Rank 14 of 60

Equity / Assets

19.12%

Rank 16 of 60

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.27%0.02%0.62%0.99%Beats 82%11 / 60
Return on Equity6.62%0.12%4.17%8.32%Beats 67%20 / 60
Net Interest Margin3.72%3.36%3.95%4.45%Beats 40%36 / 60
Efficiency Ratio69.33%70.09%78.52%92.77%Beats 78%14 / 60
Asset Quality
Nonperforming Loans / Loans0.25%0.25%0.82%1.91%Beats 75%16 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio19.12%11.15%14.35%19.86%Beats 73%16 / 60
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets19.12%11.15%14.35%19.86%Beats 73%16 / 60
Liquidity & Funding
Loans / Deposits71.17%51.31%60.45%81.20%63rd pctl22 / 60
Loans / Assets56.50%41.11%52.43%68.66%57th pctl26 / 60
Brokered Deposits / Depositsn/aNot reported for this institution