Steubenville, OH · Charter 16756
NCUA · 1 branch
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
43
Asset Quality
82
Profitability
32
Liquidity
0
Efficiency
48
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.
Steubenville, OH · Charter 16756
NCUA · 1 branch
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 | 0.54% | 0.65% | 0.66% | 0.70% | 0.73% | 0.74% | 0.62% | 0.64% | -6 bps | |
| Return on Equity | 4.36% | 5.23% | 5.22% | 5.56% | 5.88% | 5.97% | 5.06% | 5.30% | -26 bps | |
| Net Interest Margin | 2.60% | 2.62% | 2.82% | 2.84% | 2.82% | 2.83% | 2.78% | 2.82% | -2 bps | |
| Efficiency Ratio | 82.96% | 79.41% | 80.48% | 78.53% | 77.65% | 77.39% | 80.74% | 78.90% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.42% | -1.06% | -1.05% | 1.90% | 6.35% | 6.36% | 9.28% | 10.19% | +829 bps | |
| Loan Growth (YoY) | -0.71% | 0.15% | 1.06% | 0.59% | -3.05% | -4.27% | -5.12% | -9.49% | -1,008 bps | |
| Share Growth (YoY) | -5.43% | -2.17% | -2.24% | 1.03% | 5.95% | 6.45% | 9.68% | 10.72% | +969 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.22% | 0.12% | 0.10% | 0.75% | 1.04% | 0.13% | 0.16% | +6 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 | 12.35% | 12.41% | 12.66% | 12.63% | 12.40% | 12.40% | 12.31% | 12.17% | -46 bps | |
| Net Worth / Assets | 12.35% | 12.41% | 12.66% | 12.63% | 12.40% | 12.40% | 12.31% | 12.17% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.29% | 28.12% | 28.02% | 27.90% | 26.80% | 25.29% | 24.24% | 22.80% | -509 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Steubenville, OH · Charter 16756 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.64%
Rank 958 of 1,683
Net Interest Margin
2.82%
Rank 1,534 of 1,683
Efficiency Ratio
78.84%
Rank 873 of 1,682
Equity / Assets
12.17%
Rank 965 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.64% | 0.35% | 0.74% | 1.18% | Beats 43% | 958 / 1,683 | ||
| Return on Equity | 5.29% | 2.67% | 5.89% | 8.74% | Beats 45% | 928 / 1,681 | ||
| Net Interest Margin | 2.82% | 3.31% | 3.82% | 4.32% | Beats 9% | 1,534 / 1,683 | ||
| Efficiency Ratio | 78.84% | 68.91% | 78.20% | 86.93% | Beats 48% | 873 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.15% | 0.26% | 0.65% | 1.29% | Beats 82% | 296 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.17% | 10.44% | 12.89% | 16.53% | Beats 43% | 965 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.17% | 10.44% | 12.89% | 16.53% | Beats 43% | 965 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 22.81% | 52.61% | 69.38% | 83.50% | 3rd pctl | 1,639 / 1,683 | ||
| Loans / Assets | 20.18% | 44.71% | 59.18% | 70.72% | 3rd pctl | 1,632 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||