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 | |