Huntington, WV · Charter 14030
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
25
Asset Quality
19
Profitability
39
Liquidity
39
Efficiency
87
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Huntington, WV · Charter 14030
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 | 0.66% | 0.84% | 0.80% | 0.86% | 0.78% | +12 bps | |
| Return on Equity | 6.40% | 7.49% | 7.36% | 7.78% | 7.01% | +61 bps | |
| Net Interest Margin | 2.15% | 2.45% | 2.37% | 2.55% | 2.50% | +35 bps | |
| Efficiency Ratio | 70.44% | 66.79% | 66.96% | 67.14% | 69.71% | -73 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.32% | -3.36% | -2.85% | -2.52% | -0.35% | -367 bps | |
| Loan Growth (YoY) | -4.57% | -3.32% | -2.78% | -3.67% | 4.71% | +927 bps | |
| Share Growth (YoY) | 3.10% | -4.61% | -4.05% | -3.72% | -1.39% | -449 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.66% | 1.32% | 3.72% | 1.20% | 4.71% | +105 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 | 10.24% | 11.15% | 10.93% | 11.07% | 11.13% | +89 bps | |
| Net Worth / Assets | 10.24% | 11.15% | 10.93% | 11.07% | 11.13% | +89 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.77% | 51.37% | 48.41% | 47.35% | 49.66% | +289 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Huntington, WV · Charter 14030 · Peer group: credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area (n=16)
NCUA · 1 branch
Q2 2026
Return on Assets
0.78%
Rank 7 of 16
Net Interest Margin
2.50%
Rank 15 of 16
Efficiency Ratio
69.63%
Rank 3 of 16
Equity / Assets
11.13%
Rank 12 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.26% | 0.64% | 1.04% | Beats 56% | 7 / 16 | |
| Return on Equity | 7.03% | 2.11% | 6.23% | 8.05% | Beats 56% | 7 / 16 | |
| Net Interest Margin | 2.50% | 3.27% | 3.61% | 4.55% | Beats 6% | 15 / 16 | |
| Efficiency Ratio | 69.63% | 73.53% | 78.18% | 86.56% | Beats 87% | 3 / 16 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.71% | 0.76% | 1.98% | 4.44% | Beats 19% | 14 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.13% | 11.13% | 12.88% | 16.82% | Beats 25% | 12 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.13% | 11.13% | 12.88% | 16.82% | Beats 25% | 12 / 16 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.66% | 50.42% | 58.02% | 68.47% | 19th pctl | 13 / 16 | |
| Loans / Assets | 44.10% | 44.10% | 51.06% | 58.46% | 25th pctl | 12 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||