Charleston, WV · Charter 67222
NCUA · 2 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 | 1.71% | 1.61% | 1.59% | 1.04% | 1.26% | -45 bps | |
| Return on Equity | 9.11% | 8.54% | 8.38% | 5.52% | 6.62% | -249 bps | |
| Net Interest Margin | 4.06% | 3.99% | 3.95% | 3.57% | 3.72% | -35 bps | |
| Efficiency Ratio | 61.83% | 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 / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.79% | 18.89% | 19.03% | 18.83% | 19.12% | +33 bps | |
| Net Worth / Assets | 18.79% | 18.89% | 19.03% | 18.83% | 19.12% | +33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |