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First Priority

Huntington, WV · Charter 24649

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area3

Basis

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.

Peer group

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.

Peer standing

Capital

44

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

94

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Priority

Huntington, WV · Charter 24649

NCUA · 2 branches

Q2 2026

$74.8MAssets
$28.3MLoans
$65.3MShares
$9.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.97%, up 99 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 1.14% of loans (+21 bps YoY).
  • Capital: net worth / assets of 12.49%, up 122 bps from a year ago.
  • Funding: loans stand at 43.29% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.97%+99 bps YoY

Net Interest Margin (YTD, annualized)

2.98%-8 bps YoY

Efficiency Ratio (YTD, annualized)

64.43%-1,581 bps YoY

Net Worth / Assets

12.49%+122 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%1.03%0.89%0.60%1.97%+99 bps
Return on Equity8.69%8.74%7.65%5.14%15.74%+705 bps
Net Interest Margin3.05%3.13%3.10%2.99%2.98%-8 bps
Efficiency Ratio80.25%79.04%81.04%85.46%64.43%-1,581 bps
Growth
Asset Growth (YoY)6.17%2.11%5.31%2.90%1.47%-471 bps
Loan Growth (YoY)7.19%-1.09%-3.36%-3.86%-14.15%-2,135 bps
Share Growth (YoY)6.67%1.37%4.95%2.38%0.34%-634 bps
Asset Quality
Delinquent Loans / Loans0.93%0.80%0.71%0.06%1.14%+21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.28%11.73%11.64%11.61%12.49%+122 bps
Net Worth / Assets11.28%11.73%11.64%11.61%12.49%+122 bps
Liquidity & Funding
Loans / Shares50.60%49.24%45.03%41.29%43.29%-731 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Priority

Huntington, WV · Charter 24649 · Peer group: credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area (n=16)

NCUA · 2 branches

Q2 2026

$74.8MAssets
$28.3MLoans
$65.3MShares
$9.4MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 94% of credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area (rank 2 of 16).
  • Widest gap: net interest margin trails 87% of credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area (rank 14 of 16).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

1.97%

Rank 2 of 16

Net Interest Margin

2.98%

Rank 14 of 16

Efficiency Ratio

64.40%

Rank 2 of 16

Equity / Assets

12.49%

Rank 9 of 16

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.97%0.26%0.64%1.04%Beats 88%2 / 16
Return on Equity15.74%2.11%6.23%8.05%Beats 88%2 / 16
Net Interest Margin2.98%3.27%3.61%4.55%Beats 13%14 / 16
Efficiency Ratio64.40%73.53%78.18%86.56%Beats 94%2 / 16
Asset Quality
Nonperforming Loans / Loans1.14%0.76%1.98%4.44%Beats 62%7 / 16
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.49%11.13%12.88%16.82%Beats 44%9 / 16
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.49%11.13%12.88%16.82%Beats 44%9 / 16
Liquidity & Funding
Loans / Deposits43.29%50.42%58.02%68.47%6th pctl15 / 16
Loans / Assets37.77%44.10%51.06%58.46%13th pctl14 / 16
Brokered Deposits / Depositsn/aNot reported for this institution