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Strip Steel Community

Weirton, WV · Charter 8418

NCUA · 1 branch

Q2 2026

$59.9MAssets
$21.9MLoans
$48.5MShares
$11.5MNet 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 0.80%, down 9 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.24% of loans (+9 bps YoY).
  • Capital: net worth / assets of 19.26%, down 36 bps from a year ago.
  • Funding: loans stand at 45.12% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.80%-9 bps YoY

Net Interest Margin (quarter, annualized)

2.86%-7 bps YoY

Efficiency Ratio (quarter, annualized)

73.00%+486 bps YoY

Net Worth / Assets

19.26%-36 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.90%0.88%0.48%0.80%-9 bps
Return on Equity4.51%4.53%4.44%2.50%4.14%-37 bps
Net Interest Margin2.93%3.00%2.99%2.73%2.86%-7 bps
Efficiency Ratio68.15%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 / Loans0.15%0.06%0.20%0.37%0.24%+9 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 Capital19.62%19.93%19.73%19.18%19.26%-36 bps
Net Worth / Assets19.62%19.93%19.73%19.18%19.26%-36 bps
Liquidity & Funding
Loans / Shares51.96%51.03%48.77%45.67%45.12%-684 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps