PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

WCG Employees

Martin, TN · Charter 68153

NCUA · 1 branch

Q2 2026

$1.0MAssets
$609KLoans
$797KShares
$225KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.97%, up 15 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 21.80%, up 11 bps from a year ago.
  • Funding: loans stand at 76.38% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.97%+15 bps YoY

Net Interest Margin (quarter, annualized)

3.28%-36 bps YoY

Efficiency Ratio (quarter, annualized)

69.13%-725 bps YoY

Net Worth / Assets

21.80%+11 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.88%0.84%1.03%0.97%+15 bps
Return on Equity3.79%4.12%3.91%4.79%4.45%+66 bps
Net Interest Margin3.64%3.30%3.25%3.31%3.28%-36 bps
Efficiency Ratio76.38%73.34%73.67%67.47%69.13%-725 bps
Growth
Asset Growth (YoY)-5.19%-3.28%-1.02%0.82%3.90%+909 bps
Loan Growth (YoY)-6.54%1.65%-1.57%-5.93%1.22%+776 bps
Share Growth (YoY)-7.36%-5.20%-2.24%-0.69%3.61%+1,097 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.10%2.06%2.12%2.39%2.18%+7 bps
Capital
Risk-Based Capital21.69%21.31%21.51%21.52%21.80%+11 bps
Net Worth / Assets21.69%21.31%21.51%21.52%21.80%+11 bps
Liquidity & Funding
Loans / Shares78.19%78.21%77.10%68.40%76.38%-181 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps