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 | |