Highland Height, OH · Charter 11992
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 0.23% | 0.00% | 0.19% | 0.19% | -13 bps | |
| Return on Equity | 2.36% | 1.78% | 0.00% | 1.51% | 1.46% | -90 bps | |
| Net Interest Margin | 1.44% | 1.35% | 1.16% | 1.24% | 1.17% | -26 bps | |
| Efficiency Ratio | 78.16% | 82.75% | 100.00% | 84.43% | 84.22% | +606 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.39% | 0.07% | 1.83% | 4.66% | 4.63% | +502 bps | |
| Loan Growth (YoY) | -18.87% | -22.03% | -32.18% | -33.43% | -39.86% | -2,099 bps | |
| Share Growth (YoY) | -0.19% | 0.66% | 2.10% | 5.43% | 5.41% | +560 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.13% | 3.48% | 4.20% | 4.78% | 5.21% | +208 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.31% | 13.10% | 12.88% | 12.82% | 12.67% | -65 bps | |
| Net Worth / Assets | 13.31% | 13.10% | 12.88% | 12.82% | 12.67% | -65 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 8.97% | 7.90% | 6.51% | 5.67% | 5.12% | -385 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |