HUNTINGTONIZED
Charter #3438 · Huntington, WV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,836 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 6.25% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.30% sits at the 92nd percentile of structural peers — worth a closer look.
- On Return on average assets, the asset-size band puts this credit union at the 67th percentile but its structural peers at the 39th — a 28-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HUNTINGTONIZED | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $47.50M | 97th pct | 82th pct |
| Members | 4,836 | 96th pct | 82th pct |
| Net worth ratio | 16.38% | 68th pct | 69th pct |
| Return on average assets | 0.99% | 67th pct | 39th pct |
| Net interest margin | 6.25% | 99th pct | 98th pct |
| Cost of funds | 0.77% | 46th pct | 41th pct |
| Loan-to-share | 66.31% | 64th pct | 43th pct |
| Delinquency 60+ days | 1.32% | 75th pct | 66th pct |
| Net charge-off ratio | 1.30% | 90th pct | 92th pct |
| Loan growth YoY | -7.11% | 17th pct | 11th pct |
| Share growth YoY | 0.81% | 34th pct | 28th pct |
| Efficiency ratio | 71.55% | 29th pct | 43th pct |
structural peer set hash: 838c1bd647ca0a80b014881bef818baf… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.