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Letter portraitLegal landscapeQuarterYTD

Huntington C & O Railway Employees

Huntington, WV · Charter 24236

NCUA · 1 branch

Q2 2026

$30.7MAssets
$11.8MLoans
$25.9MShares
$4.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.61%, down 16 bps year over year; NIM at 4.56%.
  • Asset quality: problem loans at 5.58% of loans (-14 bps YoY).
  • Capital: net worth / assets of 15.29%, up 28 bps from a year ago.
  • Funding: loans stand at 45.60% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.61%-16 bps YoY

Net Interest Margin (quarter, annualized)

4.56%-43 bps YoY

Efficiency Ratio (quarter, annualized)

85.01%+756 bps YoY

Net Worth / Assets

15.29%+28 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.83%0.55%0.77%0.67%0.60%0.69%0.61%-16 bps
Return on Equity5.46%5.73%3.80%5.15%4.41%3.96%4.66%4.02%-113 bps
Net Interest Margin5.55%5.51%4.95%4.98%4.98%4.95%4.54%4.56%-43 bps
Efficiency Ratio74.58%74.43%79.61%77.45%79.90%80.91%84.74%85.01%+756 bps
Growth
Asset Growth (YoY)-9.63%-8.11%-6.19%-6.50%-1.67%-0.94%0.39%0.53%+702 bps
Loan Growth (YoY)-6.56%-10.18%-12.12%-19.50%-18.22%-18.86%-21.43%-21.99%-248 bps
Share Growth (YoY)-11.59%-10.17%-7.80%-8.20%-2.65%-1.58%-0.30%-0.26%+794 bps
Asset Quality
Delinquent Loans / Loans5.35%5.91%5.89%5.72%7.27%7.03%5.44%5.58%-14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.37%14.51%14.45%15.01%15.20%15.09%14.86%15.29%+28 bps
Net Worth / Assets14.37%14.51%14.45%15.01%15.20%15.09%14.86%15.29%+28 bps
Liquidity & Funding
Loans / Shares68.31%65.15%60.89%58.30%57.39%53.71%47.98%45.60%-1,270 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps