Huntington, WV · Charter 14030
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 | 0.41% | 0.47% | 0.67% | 0.66% | 0.84% | 0.80% | 0.86% | 0.78% | +12 bps | |
| Return on Equity | 4.11% | 4.75% | 6.73% | 6.40% | 7.49% | 7.36% | 7.78% | 7.01% | +61 bps | |
| Net Interest Margin | 1.99% | 1.98% | 2.11% | 2.15% | 2.45% | 2.37% | 2.55% | 2.50% | +35 bps | |
| Efficiency Ratio | 80.56% | 77.63% | 69.31% | 70.44% | 66.79% | 66.96% | 67.14% | 69.71% | -73 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.53% | 3.40% | 4.21% | 3.32% | -3.36% | -2.85% | -2.52% | -0.35% | -367 bps | |
| Loan Growth (YoY) | 7.97% | 4.72% | -0.17% | -4.57% | -3.32% | -2.78% | -3.67% | 4.71% | +927 bps | |
| Share Growth (YoY) | 0.05% | 3.37% | 4.00% | 3.10% | -4.61% | -4.05% | -3.72% | -1.39% | -449 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.55% | 2.78% | 1.78% | 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 | 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 | 10.00% | 9.83% | 9.97% | 10.24% | 11.15% | 10.93% | 11.07% | 11.13% | +89 bps | |
| Net Worth / Assets | 10.00% | 9.83% | 9.97% | 10.24% | 11.15% | 10.93% | 11.07% | 11.13% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.68% | 47.77% | 47.32% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |