PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Strip Steel Community

Weirton, WV · Charter 8418

NCUA · 1 branch

Q2 2026

$59.9MAssets
$21.9MLoans
$48.5MShares
$11.5MNet Worth

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.

Return on Assets (YTD, annualized)

0.80%-9 bps YoY

Net Interest Margin (YTD, annualized)

2.86%-7 bps YoY

Efficiency Ratio (YTD, annualized)

73.00%+486 bps YoY

Net Worth / Assets

19.26%-36 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.87%0.63%0.89%0.90%0.88%0.48%0.80%-9 bps
Return on Equity1.20%4.30%3.19%4.51%4.53%4.44%2.50%4.14%-37 bps
Net Interest Margin2.54%3.08%2.84%2.93%3.00%2.99%2.73%2.86%-7 bps
Efficiency Ratio81.79%67.42%77.72%68.15%68.27%70.30%83.97%73.00%+486 bps
Growth
Asset Growth (YoY)-1.08%4.82%8.56%8.50%7.36%6.61%6.61%6.41%-209 bps
Loan Growth (YoY)3.64%-2.13%-3.08%-4.85%-5.54%-5.10%-7.09%-6.53%-167 bps
Share Growth (YoY)0.34%3.85%8.64%7.25%6.91%7.57%7.30%7.64%+38 bps
Asset Quality
Delinquent Loans / Loans0.16%0.26%0.11%0.15%0.06%0.20%0.37%0.24%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital19.48%20.10%19.58%19.62%19.93%19.73%19.18%19.26%-36 bps
Net Worth / Assets19.48%20.10%19.58%19.62%19.93%19.73%19.18%19.26%-36 bps
Liquidity & Funding
Loans / Shares57.76%55.29%52.75%51.96%51.03%48.77%45.67%45.12%-684 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps