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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |