Huntington, WV · Charter 3438
NCUA · 4 branches
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
75
Asset Quality
44
Profitability
63
Liquidity
56
Efficiency
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.
Huntington, WV · Charter 3438
NCUA · 4 branches
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 | 1.16% | 0.91% | 0.86% | 0.99% | 0.86% | -30 bps | |
| Return on Equity | 7.13% | 5.56% | 5.23% | 6.03% | 5.12% | -201 bps | |
| Net Interest Margin | 5.87% | 5.64% | 5.52% | 6.24% | 5.72% | -15 bps | |
| Efficiency Ratio | 70.07% | 74.97% | 77.14% | 71.55% | 78.17% | +811 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.98% | 0.81% | 2.54% | -2.16% | -0.11% | +87 bps | |
| Loan Growth (YoY) | -7.35% | -11.61% | -12.89% | -13.30% | -11.27% | -392 bps | |
| Share Growth (YoY) | -0.68% | 0.46% | 1.95% | -2.56% | -2.40% | -171 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.38% | 1.35% | 1.34% | 1.32% | 2.16% | +78 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 | 16.33% | 16.32% | 16.46% | 16.38% | 16.82% | +50 bps | |
| Net Worth / Assets | 16.33% | 16.32% | 16.46% | 16.38% | 16.82% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.00% | 71.96% | 69.36% | 66.31% | 67.28% | -673 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Huntington, WV · Charter 3438 · Peer group: credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area (n=16)
NCUA · 4 branches
Q2 2026
Return on Assets
0.86%
Rank 6 of 16
Net Interest Margin
5.72%
Rank 3 of 16
Efficiency Ratio
78.18%
Rank 9 of 16
Equity / Assets
16.82%
Rank 4 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | 0.26% | 0.64% | 1.04% | Beats 63% | 6 / 16 | |
| Return on Equity | 5.11% | 2.11% | 6.23% | 8.05% | Beats 44% | 9 / 16 | |
| Net Interest Margin | 5.72% | 3.27% | 3.61% | 4.55% | Beats 81% | 3 / 16 | |
| Efficiency Ratio | 78.18% | 73.53% | 78.18% | 86.56% | Beats 50% | 9 / 16 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.16% | 0.76% | 1.98% | 4.44% | Beats 44% | 10 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.82% | 11.13% | 12.88% | 16.82% | Beats 75% | 4 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.82% | 11.13% | 12.88% | 16.82% | Beats 75% | 4 / 16 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.28% | 50.42% | 58.02% | 68.47% | 69th pctl | 5 / 16 | |
| Loans / Assets | 55.74% | 44.10% | 51.06% | 58.46% | 69th pctl | 5 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||