Huntington, WV · Charter 785
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |