Huntington, WV · Charter 3438
NCUA · 4 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 0.98% | 1.05% | 1.16% | 0.91% | 0.86% | 0.99% | 0.86% | -30 bps | |
| Return on Equity | 6.58% | 6.11% | 6.77% | 7.13% | 5.56% | 5.23% | 6.03% | 5.12% | -201 bps | |
| Net Interest Margin | 5.47% | 5.54% | 5.25% | 5.87% | 5.64% | 5.52% | 6.24% | 5.72% | -15 bps | |
| Efficiency Ratio | 71.42% | 74.34% | 74.74% | 70.07% | 74.97% | 77.14% | 71.55% | 78.17% | +811 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.98% | 1.07% | 0.68% | -0.98% | 0.81% | 2.54% | -2.16% | -0.11% | +87 bps | |
| Loan Growth (YoY) | 6.77% | 3.67% | -2.10% | -7.35% | -11.61% | -12.89% | -13.30% | -11.27% | -392 bps | |
| Share Growth (YoY) | -0.52% | -0.03% | -0.87% | -0.68% | 0.46% | 1.95% | -2.56% | -2.40% | -171 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.91% | 1.87% | 1.60% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.57% | 16.00% | 15.44% | 16.33% | 16.32% | 16.46% | 16.38% | 16.82% | +50 bps | |
| Net Worth / Assets | 15.57% | 16.00% | 15.44% | 16.33% | 16.32% | 16.46% | 16.38% | 16.82% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.79% | 81.17% | 74.52% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |