PackageTrendsPeer
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Bmi

Dublin, OH · Charter 1199

NCUA · 6 branches

Q2 2026

$732.3MAssets
$531.0MLoans
$618.1MShares
$76.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.79%, up 45 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.46% of loans (+12 bps YoY).
  • Capital: net worth / assets of 10.42%, up 33 bps from a year ago.
  • Funding: loans stand at 85.90% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.79%+45 bps YoY

Net Interest Margin (YTD, annualized)

3.05%+36 bps YoY

Efficiency Ratio (YTD, annualized)

75.53%-630 bps YoY

Net Worth / Assets

10.42%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.34%0.44%0.55%0.62%0.79%+45 bps
Return on Equity3.37%4.37%5.41%6.05%7.59%+421 bps
Net Interest Margin2.68%2.74%2.75%3.01%3.05%+36 bps
Efficiency Ratio81.82%81.16%79.72%75.19%75.53%-630 bps
Growth
Asset Growth (YoY)-0.77%-0.11%0.49%1.08%4.10%+487 bps
Loan Growth (YoY)0.22%1.74%1.68%-0.89%-1.12%-134 bps
Share Growth (YoY)1.98%2.18%2.37%2.13%3.17%+119 bps
Asset Quality
Delinquent Loans / Loans0.34%0.46%0.50%0.40%0.46%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.09%10.17%10.14%10.20%10.42%+33 bps
Net Worth / Assets10.09%10.17%10.14%10.20%10.42%+33 bps
Liquidity & Funding
Loans / Shares89.63%89.23%86.75%84.81%85.90%-372 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps