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Letter portraitLegal landscapeQuarterYTD

Local No. 317 I.A.F.F.

Charleston, WV · Charter 68113

NCUA · 1 branch

Q2 2026

$10.1MAssets
$6.5MLoans
$9.3MShares
$875KNet Worth

Executive Summary

  • Earnings: ROA of 0.21%, up 9 bps year over year; NIM at 1.81%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 8.62%, up 13 bps from a year ago.
  • Funding: loans stand at 70.46% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.21%+9 bps YoY

Net Interest Margin (YTD, annualized)

1.81%+5 bps YoY

Efficiency Ratio (YTD, annualized)

75.45%-415 bps YoY

Net Worth / Assets

8.62%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%0.16%3.81%0.12%1.29%0.30%3.75%0.21%+9 bps
Return on Equity14.24%1.84%40.77%1.41%13.87%3.49%39.01%2.42%+101 bps
Net Interest Margin2.95%1.71%5.40%1.76%2.89%1.84%5.38%1.81%+5 bps
Efficiency Ratio44.96%76.41%25.22%79.60%47.09%71.27%25.92%75.45%-415 bps
Growth
Asset Growth (YoY)7.58%7.88%7.44%5.71%5.20%5.09%0.12%1.18%-453 bps
Loan Growth (YoY)22.87%17.26%15.71%10.78%8.63%2.71%4.91%2.88%-790 bps
Share Growth (YoY)7.99%8.48%7.86%6.11%5.59%3.75%-0.19%1.31%-479 bps
Asset Quality
Delinquent Loans / Loans1.09%0.00%0.00%0.00%0.00%0.00%0.22%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.52%0.52%0.62%1.12%0.00%0.00%0.00%0.00%-112 bps
Capital
Risk-Based Capital9.66%8.62%9.34%8.49%9.32%8.50%9.62%8.62%+13 bps
Net Worth / Assets9.66%8.62%9.34%8.49%9.32%8.50%9.62%8.62%+13 bps
Liquidity & Funding
Loans / Shares69.47%68.82%67.27%69.39%71.47%68.13%70.72%70.46%+107 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps