W T Community
Cincinnati, OH · Charter 10859 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 1 branch
Q2 2026
$4.6MAssets
$2.4MLoans
$4.1MShares
$444KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 88% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 3 of 26).
- Widest gap: return on equity trails 100% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 26 of 26).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-0.18%
Rank 26 of 26
Net Interest Margin
5.10%
Rank 3 of 26
Efficiency Ratio
106.02%
Rank 25 of 26
Equity / Assets
9.76%
Rank 23 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.18% | 0.41% | 0.79% | 1.34% | Beats 0% | 26 / 26 | | |
| Return on Equity | -1.80% | 3.53% | 6.04% | 8.49% | Beats 0% | 26 / 26 | | |
| Net Interest Margin | 5.10% | 3.25% | 4.11% | 4.64% | Beats 88% | 3 / 26 | | |
| Efficiency Ratio | 106.02% | 71.52% | 75.99% | 84.12% | Beats 8% | 25 / 26 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.40% | 1.09% | 2.09% | Beats 88% | 4 / 26 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.76% | 10.31% | 12.73% | 15.29% | Beats 12% | 23 / 26 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.76% | 10.31% | 12.73% | 15.29% | Beats 12% | 23 / 26 | | |
| Liquidity & Funding |
| Loans / Deposits | 57.70% | 51.92% | 65.22% | 76.21% | 42nd pctl | 15 / 26 | | |
| Loans / Assets | 51.86% | 44.32% | 54.77% | 68.75% | 42nd pctl | 15 / 26 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |