Huntington, WV · Charter 795
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 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
31
Asset Quality
25
Profitability
57
Liquidity
85
Efficiency
75
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 795
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 | 1.39% | 0.13% | 0.79% | 1.30% | 1.32% | 0.26% | 0.62% | 0.87% | -43 bps | |
| Return on Equity | 9.89% | 1.03% | 6.26% | 10.15% | 9.94% | 2.11% | 5.12% | 7.21% | -293 bps | |
| Net Interest Margin | 3.96% | 3.44% | 3.21% | 3.41% | 3.51% | 3.09% | 3.42% | 3.33% | -8 bps | |
| Efficiency Ratio | 64.38% | 96.13% | 75.46% | 61.80% | 62.47% | 91.58% | 81.90% | 73.73% | +1,193 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.83% | 13.89% | 15.35% | 14.41% | 7.36% | 7.22% | 6.11% | 6.68% | -773 bps | |
| Loan Growth (YoY) | 15.57% | 7.76% | 6.46% | 3.08% | -4.79% | -2.11% | -4.32% | -8.65% | -1,173 bps | |
| Share Growth (YoY) | 11.06% | 16.12% | 17.87% | 17.10% | 8.48% | 8.31% | 6.59% | 7.50% | -959 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.20% | 0.45% | 0.20% | 0.36% | 2.17% | 0.66% | 2.78% | 4.44% | +408 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 | 0.40% | 0.41% | 0.41% | 0.39% | 0.42% | 0.42% | 0.43% | 0.43% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.11% | 12.90% | 12.59% | 12.85% | 13.25% | 12.29% | 12.09% | 12.12% | -73 bps | |
| Net Worth / Assets | 14.11% | 12.90% | 12.59% | 12.85% | 13.25% | 12.29% | 12.09% | 12.12% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.73% | 72.95% | 69.86% | 71.69% | 67.34% | 65.93% | 62.71% | 60.92% | -1,077 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 795 · Peer group: credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area (n=16)
NCUA · 1 branch
Q2 2026
Return on Assets
0.89%
Rank 5 of 16
Net Interest Margin
3.34%
Rank 10 of 16
Efficiency Ratio
73.53%
Rank 5 of 16
Equity / Assets
12.11%
Rank 11 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.89% | 0.26% | 0.64% | 1.04% | Beats 69% | 5 / 16 | ||
| Return on Equity | 7.31% | 2.11% | 6.23% | 8.05% | Beats 63% | 6 / 16 | ||
| Net Interest Margin | 3.34% | 3.27% | 3.61% | 4.55% | Beats 38% | 10 / 16 | ||
| Efficiency Ratio | 73.53% | 73.53% | 78.18% | 86.56% | Beats 75% | 5 / 16 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.44% | 0.76% | 1.98% | 4.44% | Beats 25% | 13 / 16 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.11% | 11.13% | 12.88% | 16.82% | Beats 31% | 11 / 16 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.11% | 11.13% | 12.88% | 16.82% | Beats 31% | 11 / 16 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.92% | 50.42% | 58.02% | 68.47% | 63rd pctl | 6 / 16 | ||
| Loans / Assets | 53.21% | 44.10% | 51.06% | 58.46% | 63rd pctl | 6 / 16 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||