Bluefield, WV · Charter 9413
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.07% | 1.09% | 0.83% | 1.10% | 1.18% | +11 bps | |
| Return on Equity | 11.56% | 11.64% | 9.32% | 12.00% | 12.59% | +104 bps | |
| Net Interest Margin | 3.45% | 3.52% | 3.31% | 3.26% | 3.24% | -21 bps | |
| Efficiency Ratio | 56.62% | 55.83% | 63.10% | 59.30% | 59.19% | +257 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.76% | 8.76% | 12.50% | 10.75% | 8.83% | -293 bps | |
| Loan Growth (YoY) | -2.53% | -1.56% | 2.03% | 3.26% | 0.56% | +310 bps | |
| Share Growth (YoY) | 12.06% | 8.63% | 12.67% | 10.83% | 8.67% | -339 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.25% | 1.86% | 2.25% | 2.07% | 1.88% | -37 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.24% | 9.34% | 8.88% | 9.13% | 9.35% | +11 bps | |
| Net Worth / Assets | 9.24% | 9.34% | 8.88% | 9.13% | 9.35% | +11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.23% | 75.76% | 73.00% | 73.28% | 71.47% | -576 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |