Heath, OH · Charter 15307
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Columbus, OH area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
44
Profitability
57
Liquidity
41
Efficiency
56
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Heath, OH · Charter 15307
NCUA · 3 branches
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 | 0.73% | 0.88% | 0.90% | 0.85% | 0.83% | +9 bps | |
| Return on Equity | 9.73% | 11.22% | 11.52% | 10.79% | 10.23% | +50 bps | |
| Net Interest Margin | 2.76% | 2.89% | 2.87% | 3.12% | 3.24% | +49 bps | |
| Efficiency Ratio | 78.37% | 75.72% | 75.20% | 75.81% | 75.75% | -262 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.43% | 7.37% | 8.71% | 7.82% | 5.68% | -275 bps | |
| Loan Growth (YoY) | 9.37% | 10.99% | 12.56% | 13.12% | 13.63% | +427 bps | |
| Share Growth (YoY) | 7.62% | 6.97% | 8.35% | 8.14% | 5.03% | -260 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.56% | 0.41% | 0.28% | 0.67% | +31 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.55% | 7.82% | 7.78% | 7.86% | 8.09% | +55 bps | |
| Net Worth / Assets | 7.55% | 7.82% | 7.78% | 7.86% | 8.09% | +55 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.93% | 72.70% | 72.25% | 71.72% | 75.66% | +573 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Heath, OH · Charter 15307 · Peer group: credit unions under $1B in assets in the Columbus, OH area (n=18)
NCUA · 3 branches
Q2 2026
Return on Assets
0.83%
Rank 7 of 18
Net Interest Margin
3.24%
Rank 14 of 18
Efficiency Ratio
75.75%
Rank 9 of 18
Equity / Assets
8.09%
Rank 18 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.83% | 0.59% | 0.76% | 0.99% | Beats 61% | 7 / 18 | |
| Return on Equity | 10.23% | 4.13% | 7.59% | 9.05% | Beats 89% | 2 / 18 | |
| Net Interest Margin | 3.24% | 3.24% | 3.56% | 3.79% | Beats 22% | 14 / 18 | |
| Efficiency Ratio | 75.75% | 72.20% | 76.10% | 84.19% | Beats 56% | 9 / 18 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.67% | 0.37% | 0.66% | 1.08% | Beats 44% | 11 / 18 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.09% | 9.66% | 10.67% | 11.63% | Beats 0% | 18 / 18 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.09% | 9.66% | 10.67% | 11.63% | Beats 0% | 18 / 18 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.66% | 47.40% | 66.89% | 76.69% | 67th pctl | 6 / 18 | |
| Loans / Assets | 69.11% | 43.35% | 60.60% | 69.11% | 72nd pctl | 5 / 18 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||