Wintersville, OH · Charter 17331
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
31
Asset Quality
7
Profitability
55
Liquidity
96
Efficiency
15
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.
Wintersville, OH · Charter 17331
NCUA · 1 branch
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 | 0.81% | 0.89% | 0.75% | 0.45% | 0.46% | -35 bps | |
| Return on Equity | 7.90% | 8.37% | 6.75% | 4.11% | 4.20% | -370 bps | |
| Net Interest Margin | 5.90% | 6.15% | 6.31% | 5.99% | 5.86% | -4 bps | |
| Efficiency Ratio | 86.99% | 86.22% | 88.70% | 92.36% | 91.98% | +499 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.63% | -5.43% | -6.71% | -6.02% | -1.74% | +89 bps | |
| Loan Growth (YoY) | -9.52% | -8.50% | -8.06% | -7.10% | -7.31% | +221 bps | |
| Share Growth (YoY) | -4.16% | -7.27% | -8.29% | -7.48% | -2.62% | +153 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.52% | 0.56% | 1.53% | 2.79% | 3.16% | +164 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.39% | 0.41% | 0.43% | 0.43% | 0.46% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.21% | 10.64% | 11.12% | 11.06% | 10.92% | +71 bps | |
| Net Worth / Assets | 10.21% | 10.64% | 11.12% | 11.06% | 10.92% | +71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.85% | 72.33% | 73.26% | 73.45% | 70.29% | -355 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wintersville, OH · Charter 17331 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.46%
Rank 1,179 of 1,683
Net Interest Margin
5.87%
Rank 50 of 1,683
Efficiency Ratio
91.67%
Rank 1,431 of 1,682
Equity / Assets
10.93%
Rank 1,169 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.35% | 0.74% | 1.18% | Beats 30% | 1,179 / 1,683 | |
| Return on Equity | 4.18% | 2.67% | 5.89% | 8.74% | Beats 37% | 1,066 / 1,681 | |
| Net Interest Margin | 5.87% | 3.31% | 3.82% | 4.32% | Beats 97% | 50 / 1,683 | |
| Efficiency Ratio | 91.67% | 68.91% | 78.20% | 86.93% | Beats 15% | 1,431 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.14% | 0.26% | 0.65% | 1.29% | Beats 7% | 1,560 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.93% | 10.44% | 12.89% | 16.53% | Beats 31% | 1,169 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.93% | 10.44% | 12.89% | 16.53% | Beats 31% | 1,169 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.30% | 52.61% | 69.38% | 83.50% | 51st pctl | 819 / 1,683 | |
| Loans / Assets | 62.30% | 44.71% | 59.18% | 70.72% | 57th pctl | 721 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||