Beckley, WV · Charter 7790
NCUA · 1 branch
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 | 0.45% | 0.39% | 0.69% | 0.82% | 0.96% | 0.89% | 0.62% | 0.59% | -23 bps | |
| Return on Equity | 3.52% | 3.07% | 5.48% | 6.40% | 7.21% | 6.78% | 4.87% | 4.69% | -171 bps | |
| Net Interest Margin | 4.13% | 4.19% | 4.51% | 4.55% | 4.61% | 4.41% | 4.03% | 4.12% | -43 bps | |
| Efficiency Ratio | 88.84% | 89.11% | 78.18% | 79.36% | 78.81% | 79.74% | 78.94% | 84.08% | +472 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.81% | 2.85% | 5.39% | 5.52% | 2.42% | 4.07% | 5.53% | 9.12% | +360 bps | |
| Loan Growth (YoY) | -15.97% | -16.78% | -8.82% | -12.08% | -13.73% | -13.55% | -18.38% | -13.93% | -185 bps | |
| Share Growth (YoY) | 4.61% | 2.52% | 5.33% | 5.52% | 1.99% | 3.49% | 5.31% | 9.39% | +387 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.04% | 0.04% | 0.47% | 0.28% | 0.59% | 0.27% | 0.34% | -13 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 | 12.87% | 12.79% | 12.61% | 12.85% | 13.27% | 13.11% | 12.76% | 12.57% | -28 bps | |
| Net Worth / Assets | 12.87% | 12.79% | 12.61% | 12.85% | 13.27% | 13.11% | 12.76% | 12.57% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.03% | 78.82% | 77.14% | 72.16% | 70.23% | 65.85% | 59.78% | 56.77% | -1,539 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |