PackageTrendsPeer
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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 (quarter, annualized)

1.97%+99 bps YoY

Net Interest Margin (quarter, annualized)

2.98%-8 bps YoY

Efficiency Ratio (quarter, annualized)

64.43%-1,581 bps YoY

Net Worth / Assets

12.49%+122 bps YoY

Discrete quarter, annualized.

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