PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mercer County W VA Teachers

Bluefield, WV · Charter 9413

NCUA · 1 branch

Q2 2026

$28.3MAssets
$18.3MLoans
$25.6MShares
$2.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.18%, up 11 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 1.88% of loans (-37 bps YoY).
  • Capital: net worth / assets of 9.35%, up 11 bps from a year ago.
  • Funding: loans stand at 71.47% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.18%+11 bps YoY

Net Interest Margin (quarter, annualized)

3.24%-21 bps YoY

Efficiency Ratio (quarter, annualized)

59.19%+257 bps YoY

Net Worth / Assets

9.35%+11 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.96%1.02%1.07%1.09%0.83%1.10%1.18%+11 bps
Return on Equity10.13%10.56%11.08%11.56%11.64%9.32%12.00%12.59%+104 bps
Net Interest Margin3.65%3.60%3.49%3.45%3.52%3.31%3.26%3.24%-21 bps
Efficiency Ratio62.73%62.05%58.63%56.62%55.83%63.10%59.30%59.19%+257 bps
Growth
Asset Growth (YoY)9.13%12.17%9.24%11.76%8.76%12.50%10.75%8.83%-293 bps
Loan Growth (YoY)-1.03%-2.74%-3.82%-2.53%-1.56%2.03%3.26%0.56%+310 bps
Share Growth (YoY)8.76%12.33%9.26%12.06%8.63%12.67%10.83%8.67%-339 bps
Asset Quality
Delinquent Loans / Loans2.26%2.16%2.95%2.25%1.86%2.25%2.07%1.88%-37 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 Capital9.30%9.13%9.21%9.24%9.34%8.88%9.13%9.35%+11 bps
Net Worth / Assets9.30%9.13%9.21%9.24%9.34%8.88%9.13%9.35%+11 bps
Liquidity & Funding
Loans / Shares83.61%80.61%78.66%77.23%75.76%73.00%73.28%71.47%-576 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps