Charleston, WV · Charter 68113
NCUA · 1 branch
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
8
Asset Quality
100
Profitability
14
Liquidity
95
Efficiency
60
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 68113
NCUA · 1 branch
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 | 0.12% | 1.29% | 0.30% | 3.75% | 0.21% | +9 bps | |
| Return on Equity | 1.41% | 13.87% | 3.49% | 39.01% | 2.42% | +101 bps | |
| Net Interest Margin | 1.76% | 2.89% | 1.84% | 5.38% | 1.81% | +5 bps | |
| Efficiency Ratio | 79.60% | 47.09% | 71.27% | 25.92% | 75.45% | -415 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.71% | 5.20% | 5.09% | 0.12% | 1.18% | -453 bps | |
| Loan Growth (YoY) | 10.78% | 8.63% | 2.71% | 4.91% | 2.88% | -790 bps | |
| Share Growth (YoY) | 6.11% | 5.59% | 3.75% | -0.19% | 1.31% | -479 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.22% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.12% | 0.00% | 0.00% | 0.00% | 0.00% | -112 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.49% | 9.32% | 8.50% | 9.62% | 8.62% | +13 bps | |
| Net Worth / Assets | 8.49% | 9.32% | 8.50% | 9.62% | 8.62% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.39% | 71.47% | 68.13% | 70.72% | 70.46% | +107 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Charleston, WV · Charter 68113 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.22%
Rank 1,373 of 1,683
Net Interest Margin
1.81%
Rank 1,665 of 1,683
Efficiency Ratio
75.00%
Rank 674 of 1,682
Equity / Assets
8.62%
Rank 1,556 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | 0.35% | 0.74% | 1.18% | Beats 18% | 1,373 / 1,683 | |
| Return on Equity | 2.51% | 2.67% | 5.89% | 8.74% | Beats 23% | 1,291 / 1,681 | |
| Net Interest Margin | 1.81% | 3.31% | 3.82% | 4.32% | Beats 1% | 1,665 / 1,683 | |
| Efficiency Ratio | 75.00% | 68.91% | 78.20% | 86.93% | Beats 60% | 674 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.62% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,556 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.62% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,556 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.46% | 52.61% | 69.38% | 83.50% | 52nd pctl | 814 / 1,683 | |
| Loans / Assets | 64.53% | 44.71% | 59.18% | 70.72% | 62nd pctl | 644 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||