Saint Marys, WV · Charter 8474
NCUA · 2 branches
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
4
Asset Quality
47
Profitability
54
Liquidity
11
Efficiency
56
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.
Saint Marys, WV · Charter 8474
NCUA · 2 branches
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 | 0.91% | 0.18% | -0.60% | -0.09% | -0.25% | -0.51% | -3.03% | 0.40% | +49 bps | |
| Return on Equity | 11.47% | 2.37% | -7.91% | -1.15% | -3.24% | -6.44% | -41.38% | 5.07% | +622 bps | |
| Net Interest Margin | 4.66% | 4.38% | 4.49% | 4.59% | 4.87% | 4.85% | 4.63% | 4.95% | +36 bps | |
| Efficiency Ratio | 83.56% | 91.81% | 87.95% | 85.85% | 91.38% | 90.40% | 78.05% | 76.12% | -973 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.39% | 7.48% | 9.42% | 7.62% | 3.77% | -2.65% | 1.18% | -1.62% | -925 bps | |
| Loan Growth (YoY) | 8.09% | 5.40% | 0.85% | 1.66% | -3.18% | -5.04% | -0.07% | 2.95% | +129 bps | |
| Share Growth (YoY) | -1.64% | 6.85% | 11.82% | 5.33% | 5.40% | -2.74% | 1.45% | 0.32% | -501 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 1.20% | 0.63% | 1.08% | 1.83% | 2.82% | 1.39% | 0.72% | -36 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 | 7.95% | 7.80% | 7.56% | 7.70% | 7.86% | 7.89% | 7.33% | 7.94% | +24 bps | |
| Net Worth / Assets | 7.95% | 7.80% | 7.56% | 7.70% | 7.86% | 7.89% | 7.33% | 7.94% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.22% | 87.31% | 85.55% | 87.43% | 86.56% | 85.25% | 84.27% | 89.72% | +229 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saint Marys, WV · Charter 8474 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.40%
Rank 1,225 of 1,683
Net Interest Margin
4.95%
Rank 153 of 1,683
Efficiency Ratio
76.26%
Rank 741 of 1,682
Equity / Assets
7.93%
Rank 1,623 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.40% | 0.35% | 0.74% | 1.18% | Beats 27% | 1,225 / 1,683 | ||
| Return on Equity | 5.06% | 2.67% | 5.89% | 8.74% | Beats 43% | 953 / 1,681 | ||
| Net Interest Margin | 4.95% | 3.31% | 3.82% | 4.32% | Beats 91% | 153 / 1,683 | ||
| Efficiency Ratio | 76.26% | 68.91% | 78.20% | 86.93% | Beats 56% | 741 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.72% | 0.26% | 0.65% | 1.29% | Beats 47% | 892 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.93% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,623 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.93% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,623 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.71% | 52.61% | 69.38% | 83.50% | 86th pctl | 241 / 1,683 | ||
| Loans / Assets | 82.46% | 44.71% | 59.18% | 70.72% | 95th pctl | 90 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||