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 | |