Charleston, WV · Charter 67222
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
73
Asset Quality
75
Profitability
63
Liquidity
62
Efficiency
78
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.
Charleston, WV · Charter 67222
NCUA · 2 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 | 1.55% | 1.69% | 1.48% | 1.71% | 1.61% | 1.59% | 1.04% | 1.26% | -45 bps | |
| Return on Equity | 8.62% | 9.09% | 8.03% | 9.11% | 8.54% | 8.38% | 5.52% | 6.62% | -249 bps | |
| Net Interest Margin | 3.82% | 3.96% | 3.97% | 4.06% | 3.99% | 3.95% | 3.57% | 3.72% | -35 bps | |
| Efficiency Ratio | 64.59% | 62.46% | 67.42% | 61.83% | 63.55% | 63.89% | 73.50% | 69.33% | +750 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.44% | 3.70% | 4.63% | 3.20% | 4.49% | 6.52% | 6.19% | 5.87% | +267 bps | |
| Loan Growth (YoY) | 0.79% | 1.32% | 5.16% | 2.09% | -2.47% | -2.65% | -6.18% | -0.16% | -225 bps | |
| Share Growth (YoY) | 2.24% | 2.60% | 3.20% | 2.37% | 4.05% | 5.74% | 5.99% | 4.82% | +245 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.68% | 0.28% | 0.11% | 0.18% | 0.06% | 0.06% | 0.25% | +15 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 | 17.95% | 18.57% | 18.44% | 18.79% | 18.89% | 19.03% | 18.83% | 19.12% | +33 bps | |
| Net Worth / Assets | 17.95% | 18.57% | 18.44% | 18.79% | 18.89% | 19.03% | 18.83% | 19.12% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.22% | 76.00% | 75.85% | 74.72% | 72.38% | 69.97% | 67.14% | 71.17% | -355 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.27% | 0.02% | 0.62% | 0.99% | Beats 82% | 11 / 60 | ||
| Return on Equity | 6.62% | 0.12% | 4.17% | 8.32% | Beats 67% | 20 / 60 | ||
| Net Interest Margin | 3.72% | 3.36% | 3.95% | 4.45% | Beats 40% | 36 / 60 | ||
| Efficiency Ratio | 69.33% | 70.09% | 78.52% | 92.77% | Beats 78% | 14 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.25% | 0.25% | 0.82% | 1.91% | Beats 75% | 16 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.12% | 11.15% | 14.35% | 19.86% | Beats 73% | 16 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.12% | 11.15% | 14.35% | 19.86% | Beats 73% | 16 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.17% | 51.31% | 60.45% | 81.20% | 63rd pctl | 22 / 60 | ||
| Loans / Assets | 56.50% | 41.11% | 52.43% | 68.66% | 57th pctl | 26 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||