PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Huntingtonized

Huntington, WV · Charter 3438

NCUA · 4 branches

Q2 2026

$46.7MAssets
$26.1MLoans
$38.7MShares
$7.9MNet 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 0.86%, down 30 bps year over year; NIM at 5.72%.
  • Asset quality: problem loans at 2.16% of loans (+78 bps YoY).
  • Capital: net worth / assets of 16.82%, up 50 bps from a year ago.
  • Funding: loans stand at 67.28% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.86%-30 bps YoY

Net Interest Margin (quarter, annualized)

5.72%-15 bps YoY

Efficiency Ratio (quarter, annualized)

78.17%+811 bps YoY

Net Worth / Assets

16.82%+50 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%0.91%0.86%0.99%0.86%-30 bps
Return on Equity7.13%5.56%5.23%6.03%5.12%-201 bps
Net Interest Margin5.87%5.64%5.52%6.24%5.72%-15 bps
Efficiency Ratio70.07%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 / Loans1.38%1.35%1.34%1.32%2.16%+78 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 Capital16.33%16.32%16.46%16.38%16.82%+50 bps
Net Worth / Assets16.33%16.32%16.46%16.38%16.82%+50 bps
Liquidity & Funding
Loans / Shares74.00%71.96%69.36%66.31%67.28%-673 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps