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 | |