PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

West Branch Valley

Williamsport, PA · Charter 7821

NCUA · 2 branches

Q2 2026

$50.8MAssets
$33.7MLoans
$45.4MShares
$4.8MNet 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 1.22%, up 72 bps year over year; NIM at 4.01%.
  • Asset quality: problem loans at 0.21% of loans (-25 bps YoY).
  • Capital: net worth / assets of 9.44%, up 85 bps from a year ago.
  • Funding: loans stand at 74.26% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.22%+72 bps YoY

Net Interest Margin (quarter, annualized)

4.01%+40 bps YoY

Efficiency Ratio (quarter, annualized)

72.72%-620 bps YoY

Net Worth / Assets

9.44%+85 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.62%0.65%0.64%1.22%+72 bps
Return on Equity5.81%6.96%7.19%7.07%12.91%+710 bps
Net Interest Margin3.61%3.77%3.75%3.86%4.01%+40 bps
Efficiency Ratio78.92%77.03%77.17%76.56%72.72%-620 bps
Growth
Asset Growth (YoY)-1.58%0.09%0.98%2.41%1.74%+332 bps
Loan Growth (YoY)6.61%13.42%17.88%24.63%19.11%+1,250 bps
Share Growth (YoY)-3.85%-2.02%-0.33%0.90%1.18%+503 bps
Asset Quality
Delinquent Loans / Loans0.46%0.47%0.21%0.32%0.21%-25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.59%8.90%9.06%9.01%9.44%+85 bps
Net Worth / Assets8.59%8.90%9.06%9.01%9.44%+85 bps
Liquidity & Funding
Loans / Shares63.08%68.05%68.63%70.21%74.26%+1,118 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps