Hilltop, WV · Charter 68112
NCUA · 1 branch
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
19
Asset Quality
4
Profitability
80
Liquidity
0
Efficiency
100
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.
Hilltop, WV · Charter 68112
NCUA · 1 branch
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 | 2.11% | 1.22% | 1.89% | 2.38% | 1.76% | 1.52% | 2.60% | 3.27% | +90 bps | |
| Return on Equity | 26.41% | 16.45% | 23.46% | 25.47% | 19.69% | 19.67% | 29.13% | 33.12% | +765 bps | |
| Net Interest Margin | 3.70% | 3.22% | 3.76% | 3.17% | 2.84% | 3.12% | 2.41% | 3.83% | +66 bps | |
| Efficiency Ratio | 46.80% | 66.90% | 51.35% | 30.54% | 43.18% | 54.70% | 1.33% | 19.42% | -1,112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.89% | 14.92% | 11.63% | 1.25% | -0.03% | -4.27% | -9.11% | -0.54% | -179 bps | |
| Loan Growth (YoY) | -6.05% | 4.89% | -3.21% | -4.82% | 12.18% | -0.29% | 44.48% | 41.87% | +4,669 bps | |
| Share Growth (YoY) | 2.51% | 14.19% | 11.03% | 0.02% | -1.05% | -5.04% | -10.34% | -1.34% | -136 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.00% | 2.12% | 6.53% | 1.92% | 0.00% | 0.32% | 3.99% | -254 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 | 2.45% | 2.38% | 2.77% | 2.74% | 2.66% | 6.10% | 4.90% | 4.40% | +166 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.98% | 7.40% | 8.04% | 9.33% | 8.92% | 7.73% | 8.92% | 9.89% | +55 bps | |
| Net Worth / Assets | 7.98% | 7.40% | 8.04% | 9.33% | 8.92% | 7.73% | 8.92% | 9.89% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 16.28% | 16.16% | 14.27% | 18.17% | 18.45% | 16.97% | 22.99% | 26.13% | +796 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hilltop, WV · Charter 68112 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
3.14%
Rank 12 of 1,683
Net Interest Margin
3.66%
Rank 981 of 1,683
Efficiency Ratio
28.57%
Rank 5 of 1,682
Equity / Assets
9.95%
Rank 1,355 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.14% | 0.35% | 0.74% | 1.18% | Beats 99% | 12 / 1,683 | ||
| Return on Equity | 31.58% | 2.67% | 5.89% | 8.74% | Beats 100% | 3 / 1,681 | ||
| Net Interest Margin | 3.66% | 3.31% | 3.82% | 4.32% | Beats 42% | 981 / 1,683 | ||
| Efficiency Ratio | 28.57% | 68.91% | 78.20% | 86.93% | Beats 100% | 5 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.44% | 0.26% | 0.65% | 1.29% | Beats 4% | 1,613 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.95% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,355 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.95% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,355 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 26.24% | 52.61% | 69.38% | 83.50% | 4th pctl | 1,623 / 1,683 | ||
| Loans / Assets | 23.56% | 44.71% | 59.18% | 70.72% | 5th pctl | 1,604 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||