Dublin, OH · Charter 1199
NCUA · 6 branches
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 | 1.24% | 1.02% | 0.26% | 0.34% | 0.44% | 0.55% | 0.62% | 0.79% | +45 bps | |
| Return on Equity | 12.68% | 10.49% | 2.66% | 3.37% | 4.37% | 5.41% | 6.05% | 7.59% | +421 bps | |
| Net Interest Margin | 2.19% | 2.23% | 2.51% | 2.68% | 2.74% | 2.75% | 3.01% | 3.05% | +36 bps | |
| Efficiency Ratio | 65.60% | 68.67% | 84.99% | 81.82% | 81.16% | 79.72% | 75.19% | 75.53% | -630 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.88% | 2.42% | 1.80% | -0.77% | -0.11% | 0.49% | 1.08% | 4.10% | +487 bps | |
| Loan Growth (YoY) | -0.15% | -3.15% | -1.38% | 0.22% | 1.74% | 1.68% | -0.89% | -1.12% | -134 bps | |
| Share Growth (YoY) | 5.89% | 5.15% | 4.55% | 1.98% | 2.18% | 2.37% | 2.13% | 3.17% | +119 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.40% | 0.42% | 0.34% | 0.46% | 0.50% | 0.40% | 0.46% | +12 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.78% | 9.69% | 9.72% | 10.09% | 10.17% | 10.14% | 10.20% | 10.42% | +33 bps | |
| Net Worth / Assets | 9.78% | 9.69% | 9.72% | 10.09% | 10.17% | 10.14% | 10.20% | 10.42% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.61% | 87.34% | 87.39% | 89.63% | 89.23% | 86.75% | 84.81% | 85.90% | -372 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |