Huntington, WV · Charter 11323
NCUA · 1 branch
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 | 0.65% | -0.54% | 1.12% | 0.98% | 0.79% | 0.25% | 0.87% | 1.03% | +5 bps | |
| Return on Equity | 5.08% | -4.27% | 9.16% | 7.50% | 6.05% | 1.94% | 6.80% | 7.98% | +48 bps | |
| Net Interest Margin | 4.41% | 3.46% | 4.43% | 4.42% | 4.28% | 4.26% | 3.83% | 3.90% | -52 bps | |
| Efficiency Ratio | 82.68% | 107.37% | 73.68% | 76.63% | 80.30% | 88.70% | 76.02% | 73.33% | -330 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.84% | -13.58% | -3.69% | -6.96% | 0.03% | -0.27% | -5.13% | 0.57% | +753 bps | |
| Loan Growth (YoY) | -9.13% | -13.18% | -11.67% | -9.67% | -4.89% | -8.27% | -10.62% | -12.47% | -281 bps | |
| Share Growth (YoY) | -13.80% | -12.65% | -4.32% | -8.87% | -0.15% | -0.39% | -5.77% | 0.87% | +974 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.21% | 0.01% | 0.04% | 0.08% | 0.00% | 0.00% | 0.00% | -3 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 | 0.67% | 0.67% | 0.74% | 0.97% | 1.02% | 1.41% | 1.54% | 1.74% | +77 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.69% | 12.60% | 12.24% | 13.10% | 13.02% | 12.89% | 12.87% | 12.88% | -21 bps | |
| Net Worth / Assets | 12.69% | 12.60% | 12.24% | 13.10% | 13.02% | 12.89% | 12.87% | 12.88% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.91% | 66.94% | 62.24% | 66.10% | 65.65% | 61.64% | 59.04% | 57.35% | -874 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |