Weirton, WV · Charter 8418
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
85
Asset Quality
77
Profitability
33
Liquidity
21
Efficiency
65
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Weirton, WV · Charter 8418
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.89% | 0.90% | 0.88% | 0.48% | 0.80% | -9 bps | |
| Return on Equity | 4.51% | 4.53% | 4.44% | 2.50% | 4.14% | -37 bps | |
| Net Interest Margin | 2.93% | 3.00% | 2.99% | 2.73% | 2.86% | -7 bps | |
| Efficiency Ratio | 68.15% | 68.27% | 70.30% | 83.97% | 73.00% | +486 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.50% | 7.36% | 6.61% | 6.61% | 6.41% | -209 bps | |
| Loan Growth (YoY) | -4.85% | -5.54% | -5.10% | -7.09% | -6.53% | -167 bps | |
| Share Growth (YoY) | 7.25% | 6.91% | 7.57% | 7.30% | 7.64% | +38 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.15% | 0.06% | 0.20% | 0.37% | 0.24% | +9 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.62% | 19.93% | 19.73% | 19.18% | 19.26% | -36 bps | |
| Net Worth / Assets | 19.62% | 19.93% | 19.73% | 19.18% | 19.26% | -36 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.96% | 51.03% | 48.77% | 45.67% | 45.12% | -684 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Weirton, WV · Charter 8418 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.80%
Rank 782 of 1,683
Net Interest Margin
2.86%
Rank 1,518 of 1,683
Efficiency Ratio
73.09%
Rank 597 of 1,682
Equity / Assets
19.26%
Rank 259 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 0.35% | 0.74% | 1.18% | Beats 54% | 782 / 1,683 | |
| Return on Equity | 4.14% | 2.67% | 5.89% | 8.74% | Beats 36% | 1,070 / 1,681 | |
| Net Interest Margin | 2.86% | 3.31% | 3.82% | 4.32% | Beats 10% | 1,518 / 1,683 | |
| Efficiency Ratio | 73.09% | 68.91% | 78.20% | 86.93% | Beats 65% | 597 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.65% | 1.29% | Beats 77% | 394 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 19.26% | 10.44% | 12.89% | 16.53% | Beats 85% | 259 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 19.26% | 10.44% | 12.89% | 16.53% | Beats 85% | 259 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 45.12% | 52.61% | 69.38% | 83.50% | 17th pctl | 1,402 / 1,683 | |
| Loans / Assets | 36.54% | 44.71% | 59.18% | 70.72% | 15th pctl | 1,432 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||