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 | |