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 | |