Huntington, WV · Charter 24236
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
69
Asset Quality
12
Profitability
52
Liquidity
9
Efficiency
31
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 24236
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 | 0.77% | 0.67% | 0.60% | 0.69% | 0.61% | -16 bps | |
| Return on Equity | 5.15% | 4.41% | 3.96% | 4.66% | 4.02% | -113 bps | |
| Net Interest Margin | 4.98% | 4.98% | 4.95% | 4.54% | 4.56% | -43 bps | |
| Efficiency Ratio | 77.45% | 79.90% | 80.91% | 84.74% | 85.01% | +756 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.50% | -1.67% | -0.94% | 0.39% | 0.53% | +702 bps | |
| Loan Growth (YoY) | -19.50% | -18.22% | -18.86% | -21.43% | -21.99% | -248 bps | |
| Share Growth (YoY) | -8.20% | -2.65% | -1.58% | -0.30% | -0.26% | +794 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.72% | 7.27% | 7.03% | 5.44% | 5.58% | -14 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 | 15.01% | 15.20% | 15.09% | 14.86% | 15.29% | +28 bps | |
| Net Worth / Assets | 15.01% | 15.20% | 15.09% | 14.86% | 15.29% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.30% | 57.39% | 53.71% | 47.98% | 45.60% | -1,270 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Huntington, WV · Charter 24236 · 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
0.61%
Rank 9 of 16
Net Interest Margin
4.55%
Rank 4 of 16
Efficiency Ratio
85.07%
Rank 12 of 16
Equity / Assets
15.29%
Rank 5 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.26% | 0.64% | 1.04% | Beats 44% | 9 / 16 | |
| Return on Equity | 4.01% | 2.11% | 6.23% | 8.05% | Beats 38% | 10 / 16 | |
| Net Interest Margin | 4.55% | 3.27% | 3.61% | 4.55% | Beats 75% | 4 / 16 | |
| Efficiency Ratio | 85.07% | 73.53% | 78.18% | 86.56% | Beats 31% | 12 / 16 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 5.58% | 0.76% | 1.98% | 4.44% | Beats 12% | 15 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.29% | 11.13% | 12.88% | 16.82% | Beats 69% | 5 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.29% | 11.13% | 12.88% | 16.82% | Beats 69% | 5 / 16 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 45.60% | 50.42% | 58.02% | 68.47% | 13th pctl | 14 / 16 | |
| Loans / Assets | 38.52% | 44.10% | 51.06% | 58.46% | 19th pctl | 13 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||