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Huntington, WV · Charter 24649

NCUA · 2 branches

Q2 2026

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

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.65%0.77%0.98%1.03%0.89%0.60%1.97%+99 bps
Return on Equity5.68%5.77%6.98%8.69%8.74%7.65%5.14%15.74%+705 bps
Net Interest Margin2.84%2.92%2.95%3.05%3.13%3.10%2.99%2.98%-8 bps
Efficiency Ratio85.21%84.81%85.22%80.25%79.04%81.04%85.46%64.43%-1,581 bps
Growth
Asset Growth (YoY)1.90%4.49%4.52%6.17%2.11%5.31%2.90%1.47%-471 bps
Loan Growth (YoY)-3.97%-7.30%-8.29%7.19%-1.09%-3.36%-3.86%-14.15%-2,135 bps
Share Growth (YoY)1.86%4.95%4.99%6.67%1.37%4.95%2.38%0.34%-634 bps
Asset Quality
Delinquent Loans / Loans0.14%0.40%0.51%0.93%0.80%0.71%0.06%1.14%+21 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 Capital11.01%11.32%11.08%11.28%11.73%11.64%11.61%12.49%+122 bps
Net Worth / Assets11.01%11.32%11.08%11.28%11.73%11.64%11.61%12.49%+122 bps
Liquidity & Funding
Loans / Shares50.46%48.90%43.97%50.60%49.24%45.03%41.29%43.29%-731 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps