PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Willow Island

Saint Marys, WV · Charter 8474

NCUA · 2 branches

Q2 2026

$12.0MAssets
$9.9MLoans
$11.0MShares
$949KNet 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 0.40%, up 49 bps year over year; NIM at 4.95%.
  • Asset quality: problem loans at 0.72% of loans (-36 bps YoY).
  • Capital: net worth / assets of 7.94%, up 24 bps from a year ago.
  • Funding: loans stand at 89.72% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.40%+49 bps YoY

Net Interest Margin (YTD, annualized)

4.95%+36 bps YoY

Efficiency Ratio (YTD, annualized)

76.12%-973 bps YoY

Net Worth / Assets

7.94%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.09%-0.25%-0.51%-3.03%0.40%+49 bps
Return on Equity-1.15%-3.24%-6.44%-41.38%5.07%+622 bps
Net Interest Margin4.59%4.87%4.85%4.63%4.95%+36 bps
Efficiency Ratio85.85%91.38%90.40%78.05%76.12%-973 bps
Growth
Asset Growth (YoY)7.62%3.77%-2.65%1.18%-1.62%-925 bps
Loan Growth (YoY)1.66%-3.18%-5.04%-0.07%2.95%+129 bps
Share Growth (YoY)5.33%5.40%-2.74%1.45%0.32%-501 bps
Asset Quality
Delinquent Loans / Loans1.08%1.83%2.82%1.39%0.72%-36 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 Capital7.70%7.86%7.89%7.33%7.94%+24 bps
Net Worth / Assets7.70%7.86%7.89%7.33%7.94%+24 bps
Liquidity & Funding
Loans / Shares87.43%86.56%85.25%84.27%89.72%+229 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps