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 | |