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 | |