Huntington, WV · Charter 1463
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 | 0.12% | 0.15% | 0.18% | 0.30% | 0.19% | +7 bps | |
| Return on Equity | 0.47% | 0.59% | 0.73% | 1.24% | 0.76% | +29 bps | |
| Net Interest Margin | 2.98% | 3.08% | 3.24% | 3.16% | 3.34% | +36 bps | |
| Efficiency Ratio | 96.22% | 95.31% | 94.45% | 90.55% | 94.51% | -171 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.51% | -1.17% | -2.31% | -1.30% | 1.20% | +371 bps | |
| Loan Growth (YoY) | -24.04% | -17.17% | -6.16% | 1.30% | 7.16% | +3,120 bps | |
| Share Growth (YoY) | -3.50% | -1.84% | -3.39% | -2.09% | 1.12% | +462 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.47% | 5.08% | 2.78% | 0.78% | 1.99% | -249 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.47% | 1.49% | 1.42% | 1.14% | 1.00% | -47 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.41% | 24.95% | 25.19% | 24.44% | 24.33% | -8 bps | |
| Net Worth / Assets | 24.41% | 24.95% | 25.19% | 24.44% | 24.33% | -8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.13% | 79.62% | 84.35% | 80.88% | 82.80% | +467 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |