Heath, OH · Charter 15307
NCUA · 3 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 | 0.48% | 0.46% | 0.74% | 0.73% | 0.88% | 0.90% | 0.85% | 0.83% | +9 bps | |
| Return on Equity | 6.28% | 6.09% | 9.89% | 9.73% | 11.22% | 11.52% | 10.79% | 10.23% | +50 bps | |
| Net Interest Margin | 2.63% | 2.57% | 2.64% | 2.76% | 2.89% | 2.87% | 3.12% | 3.24% | +49 bps | |
| Efficiency Ratio | 86.17% | 86.57% | 79.73% | 78.37% | 75.72% | 75.20% | 75.81% | 75.75% | -262 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.11% | 3.62% | 8.71% | 8.43% | 7.37% | 8.71% | 7.82% | 5.68% | -275 bps | |
| Loan Growth (YoY) | 7.68% | 8.75% | 8.42% | 9.37% | 10.99% | 12.56% | 13.12% | 13.63% | +427 bps | |
| Share Growth (YoY) | 4.47% | 5.85% | 7.56% | 7.62% | 6.97% | 8.35% | 8.14% | 5.03% | -260 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.16% | 0.10% | 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 | 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 | 7.58% | 7.48% | 7.48% | 7.55% | 7.82% | 7.78% | 7.86% | 8.09% | +55 bps | |
| Net Worth / Assets | 7.58% | 7.48% | 7.48% | 7.55% | 7.82% | 7.78% | 7.86% | 8.09% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.07% | 69.55% | 68.56% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |