Cridersville, OH · Charter 15438
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
22
Asset Quality
19
Profitability
51
Liquidity
94
Efficiency
31
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.
Cridersville, OH · Charter 15438
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 | 0.70% | 0.61% | 0.55% | 0.35% | 0.39% | -30 bps | |
| Return on Equity | 6.73% | 5.83% | 5.32% | 3.46% | 3.87% | -286 bps | |
| Net Interest Margin | 5.24% | 5.35% | 5.30% | 5.04% | 5.07% | -17 bps | |
| Efficiency Ratio | 80.51% | 81.56% | 81.43% | 84.71% | 84.44% | +393 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.26% | 2.46% | 4.52% | 3.35% | 5.46% | +319 bps | |
| Loan Growth (YoY) | 4.67% | 3.56% | 0.92% | -0.48% | 0.49% | -418 bps | |
| Share Growth (YoY) | 1.67% | 1.99% | 4.41% | 3.15% | 5.53% | +386 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.06% | 2.21% | 2.05% | 1.64% | 1.60% | -45 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 | 10.33% | 10.51% | 10.35% | 10.14% | 10.16% | -18 bps | |
| Net Worth / Assets | 10.33% | 10.51% | 10.35% | 10.14% | 10.16% | -18 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.24% | 75.96% | 73.12% | 70.24% | 70.69% | -354 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cridersville, OH · Charter 15438 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.39%
Rank 1,230 of 1,683
Net Interest Margin
5.07%
Rank 130 of 1,683
Efficiency Ratio
84.43%
Rank 1,161 of 1,682
Equity / Assets
10.16%
Rank 1,313 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.35% | 0.74% | 1.18% | Beats 27% | 1,230 / 1,683 | |
| Return on Equity | 3.87% | 2.67% | 5.89% | 8.74% | Beats 34% | 1,111 / 1,681 | |
| Net Interest Margin | 5.07% | 3.31% | 3.82% | 4.32% | Beats 92% | 130 / 1,683 | |
| Efficiency Ratio | 84.43% | 68.91% | 78.20% | 86.93% | Beats 31% | 1,161 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.60% | 0.26% | 0.65% | 1.29% | Beats 19% | 1,370 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.16% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,313 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.16% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,313 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.69% | 52.61% | 69.38% | 83.50% | 52nd pctl | 801 / 1,683 | |
| Loans / Assets | 63.40% | 44.71% | 59.18% | 70.72% | 59th pctl | 682 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||