Huntington, WV · Charter 23545
NCUA · 3 branches
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
13
Asset Quality
69
Profitability
52
Liquidity
45
Efficiency
69
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 23545
NCUA · 3 branches
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 | 0.21% | 0.23% | 0.27% | 0.49% | 0.51% | 0.50% | 0.33% | 0.58% | +9 bps | |
| Return on Equity | 2.10% | 2.33% | 2.87% | 5.16% | 5.16% | 5.10% | 3.62% | 6.24% | +108 bps | |
| Net Interest Margin | 4.11% | 4.00% | 4.17% | 4.35% | 4.48% | 4.45% | 4.22% | 4.43% | +8 bps | |
| Efficiency Ratio | 83.31% | 81.74% | 74.50% | 70.28% | 72.90% | 73.20% | 79.12% | 74.38% | +410 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.16% | 10.93% | 9.72% | 10.22% | 7.53% | 5.13% | 8.58% | 7.31% | -290 bps | |
| Loan Growth (YoY) | 8.55% | 6.22% | 6.97% | 3.01% | 2.00% | 1.14% | 2.11% | -0.50% | -351 bps | |
| Share Growth (YoY) | 8.81% | 11.87% | 10.33% | 9.63% | 7.73% | 5.25% | 10.14% | 8.38% | -126 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.03% | 1.74% | 2.15% | 1.46% | 1.31% | 1.40% | 0.69% | 1.08% | -38 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 | 10.08% | 9.71% | 9.45% | 9.48% | 9.83% | 9.74% | 9.19% | 9.36% | -12 bps | |
| Net Worth / Assets | 10.08% | 9.71% | 9.45% | 9.48% | 9.83% | 9.74% | 9.19% | 9.36% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.72% | 56.69% | 55.24% | 54.91% | 55.60% | 54.48% | 51.21% | 50.42% | -450 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Huntington, WV · Charter 23545 · Peer group: credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area (n=16)
NCUA · 3 branches
Q2 2026
Return on Assets
0.58%
Rank 10 of 16
Net Interest Margin
4.43%
Rank 5 of 16
Efficiency Ratio
74.32%
Rank 6 of 16
Equity / Assets
9.36%
Rank 14 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.58% | 0.26% | 0.64% | 1.04% | Beats 38% | 10 / 16 | ||
| Return on Equity | 6.23% | 2.11% | 6.23% | 8.05% | Beats 50% | 8 / 16 | ||
| Net Interest Margin | 4.43% | 3.27% | 3.61% | 4.55% | Beats 69% | 5 / 16 | ||
| Efficiency Ratio | 74.32% | 73.53% | 78.18% | 86.56% | Beats 69% | 6 / 16 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.08% | 0.76% | 1.98% | 4.44% | Beats 69% | 6 / 16 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.36% | 11.13% | 12.88% | 16.82% | Beats 13% | 14 / 16 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.36% | 11.13% | 12.88% | 16.82% | Beats 13% | 14 / 16 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.42% | 50.42% | 58.02% | 68.47% | 25th pctl | 12 / 16 | ||
| Loans / Assets | 46.01% | 44.10% | 51.06% | 58.46% | 31st pctl | 11 / 16 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||