PackageTrendsPeer
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First Service

Groveport, OH · Charter 11170

NCUA · 5 branches

Q2 2026

$236.3MAssets
$149.1MLoans
$210.8MShares
$24.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.68%, down 11 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 0.12% of loans (-25 bps YoY).
  • Capital: net worth / assets of 10.16%, up 12 bps from a year ago.
  • Funding: loans stand at 70.73% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.68%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.44%+27 bps YoY

Efficiency Ratio (YTD, annualized)

80.22%+426 bps YoY

Net Worth / Assets

10.16%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.73%0.72%0.79%0.78%0.78%0.74%0.68%-11 bps
Return on Equity7.36%7.38%7.29%7.88%7.67%7.76%7.27%6.68%-120 bps
Net Interest Margin3.10%3.06%3.00%3.17%3.26%3.22%3.50%3.44%+27 bps
Efficiency Ratio77.26%77.04%77.66%75.96%76.21%75.97%79.24%80.22%+426 bps
Growth
Asset Growth (YoY)1.71%2.74%3.16%4.17%4.39%5.53%5.04%6.14%+198 bps
Loan Growth (YoY)-4.40%-4.59%2.87%4.78%7.23%10.32%8.39%4.84%+6 bps
Share Growth (YoY)1.46%2.46%2.61%3.90%3.29%4.86%4.91%6.15%+225 bps
Asset Quality
Delinquent Loans / Loans0.07%0.20%0.25%0.38%0.37%0.27%0.13%0.12%-25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.86%9.83%9.86%10.04%10.19%10.07%10.15%10.16%+12 bps
Net Worth / Assets9.86%9.83%9.86%10.04%10.19%10.07%10.15%10.16%+12 bps
Liquidity & Funding
Loans / Shares69.54%68.46%71.05%71.61%72.20%72.02%73.41%70.73%-88 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps