Cincinnati, OH · Charter 10859
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 | -1.41% | -1.55% | 2.67% | 0.69% | 0.65% | -0.39% | -0.47% | -0.17% | -87 bps | |
| Return on Equity | -16.38% | -18.64% | 29.60% | 7.69% | 6.49% | -4.16% | -4.58% | -1.76% | -945 bps | |
| Net Interest Margin | 4.77% | 4.73% | 4.22% | 4.72% | 5.03% | 5.21% | 5.30% | 5.09% | +37 bps | |
| Efficiency Ratio | 86.31% | 90.25% | 91.80% | 110.67% | 105.03% | 108.92% | 99.81% | 105.81% | -486 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.98% | -15.28% | -11.35% | -9.24% | -10.06% | -10.59% | -17.80% | -10.80% | -157 bps | |
| Loan Growth (YoY) | -14.25% | -11.59% | -9.10% | -10.42% | -4.91% | -4.96% | -5.78% | -16.43% | -601 bps | |
| Share Growth (YoY) | -19.83% | -15.28% | -11.57% | -9.19% | -11.18% | -13.99% | -16.96% | -11.65% | -246 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.00% | 0.00% | 0.00% | 0.00% | 0.06% | 0.16% | 0.09% | +9 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 | 2.05% | 2.17% | 1.26% | 0.92% | 0.72% | 1.81% | 2.09% | 1.60% | +69 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.60% | 8.32% | 9.02% | 9.02% | 10.04% | 9.43% | 10.18% | 9.77% | +75 bps | |
| Net Worth / Assets | 8.60% | 8.32% | 9.02% | 9.02% | 10.04% | 9.43% | 10.18% | 9.77% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.87% | 57.39% | 57.24% | 61.01% | 61.95% | 63.41% | 64.95% | 57.70% | -330 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |