Huntington, WV · Charter 785
NCUA · 3 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
56
Asset Quality
81
Profitability
27
Liquidity
0
Efficiency
25
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 785
NCUA · 3 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 | 0.28% | 0.31% | 0.34% | 0.32% | 0.36% | 0.36% | 0.31% | 0.45% | +13 bps | |
| Return on Equity | 2.07% | 2.31% | 2.59% | 2.49% | 2.71% | 2.64% | 2.31% | 3.49% | +100 bps | |
| Net Interest Margin | 2.48% | 2.53% | 2.67% | 2.73% | 2.80% | 2.90% | 2.88% | 3.00% | +28 bps | |
| Efficiency Ratio | 90.91% | 90.00% | 89.04% | 89.46% | 88.73% | 89.14% | 90.52% | 86.55% | -290 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.05% | 2.84% | 3.35% | 4.00% | 3.45% | 1.67% | 1.62% | 2.21% | -178 bps | |
| Loan Growth (YoY) | 3.22% | 3.66% | 0.32% | -5.33% | -7.55% | -10.57% | -13.07% | -13.47% | -814 bps | |
| Share Growth (YoY) | 2.24% | 2.77% | 3.70% | 4.56% | 3.39% | 1.63% | 1.37% | -0.55% | -511 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.21% | 0.12% | 0.33% | 0.21% | 0.17% | 0.04% | 0.46% | +13 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 | 13.34% | 13.34% | 13.06% | 12.90% | 13.27% | 13.47% | 13.19% | 13.03% | +13 bps | |
| Net Worth / Assets | 13.34% | 13.34% | 13.06% | 12.90% | 13.27% | 13.47% | 13.19% | 13.03% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.16% | 38.75% | 37.02% | 34.86% | 35.01% | 34.10% | 31.74% | 30.33% | -453 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Huntington, WV · Charter 785 · Peer group: credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area (n=16)
NCUA · 3 branches
Q2 2026
Return on Assets
0.45%
Rank 11 of 16
Net Interest Margin
3.00%
Rank 13 of 16
Efficiency Ratio
86.56%
Rank 13 of 16
Equity / Assets
13.03%
Rank 7 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.45% | 0.26% | 0.64% | 1.04% | Beats 31% | 11 / 16 | ||
| Return on Equity | 3.48% | 2.11% | 6.23% | 8.05% | Beats 31% | 11 / 16 | ||
| Net Interest Margin | 3.00% | 3.27% | 3.61% | 4.55% | Beats 19% | 13 / 16 | ||
| Efficiency Ratio | 86.56% | 73.53% | 78.18% | 86.56% | Beats 25% | 13 / 16 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.46% | 0.76% | 1.98% | 4.44% | Beats 81% | 4 / 16 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.03% | 11.13% | 12.88% | 16.82% | Beats 56% | 7 / 16 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.03% | 11.13% | 12.88% | 16.82% | Beats 56% | 7 / 16 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 30.33% | 50.42% | 58.02% | 68.47% | 0th pctl | 16 / 16 | ||
| Loans / Assets | 26.08% | 44.10% | 51.06% | 58.46% | 6th pctl | 15 / 16 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||