Smithville, OH · Charter 17449
NCUA · 2 branches
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
34
Asset Quality
28
Profitability
68
Liquidity
7
Efficiency
69
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.
Smithville, OH · Charter 17449
NCUA · 2 branches
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 | 0.41% | 0.37% | 0.85% | 0.71% | 0.95% | 0.97% | 0.69% | 1.06% | +35 bps | |
| Return on Equity | 3.81% | 3.58% | 8.32% | 6.94% | 8.79% | 8.89% | 6.34% | 9.45% | +250 bps | |
| Net Interest Margin | 2.86% | 2.77% | 3.25% | 3.33% | 3.54% | 3.60% | 3.79% | 3.89% | +56 bps | |
| Efficiency Ratio | 86.88% | 87.04% | 80.78% | 82.49% | 76.80% | 76.06% | 73.15% | 71.42% | -1,107 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.39% | 7.37% | 9.47% | 8.84% | 7.91% | 3.64% | 2.21% | 1.49% | -735 bps | |
| Loan Growth (YoY) | 26.84% | 22.71% | 19.65% | 20.16% | 20.65% | 19.97% | 15.37% | 10.90% | -927 bps | |
| Share Growth (YoY) | -0.06% | 8.00% | 10.43% | 8.58% | 8.17% | 3.16% | 1.51% | 1.47% | -712 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.32% | 1.33% | 1.78% | 1.76% | 2.11% | 2.55% | 1.13% | 1.18% | -58 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 | 10.88% | 10.37% | 10.24% | 10.30% | 10.84% | 10.95% | 10.91% | 11.25% | +95 bps | |
| Net Worth / Assets | 10.88% | 10.37% | 10.24% | 10.30% | 10.84% | 10.95% | 10.91% | 11.25% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.19% | 35.20% | 35.33% | 37.27% | 40.36% | 40.94% | 40.16% | 40.73% | +346 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Smithville, OH · Charter 17449 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.06%
Rank 528 of 1,683
Net Interest Margin
3.89%
Rank 775 of 1,683
Efficiency Ratio
71.45%
Rank 517 of 1,682
Equity / Assets
11.25%
Rank 1,108 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.06% | 0.35% | 0.74% | 1.18% | Beats 69% | 528 / 1,683 | ||
| Return on Equity | 9.45% | 2.67% | 5.89% | 8.74% | Beats 80% | 333 / 1,681 | ||
| Net Interest Margin | 3.89% | 3.31% | 3.82% | 4.32% | Beats 54% | 775 / 1,683 | ||
| Efficiency Ratio | 71.45% | 68.91% | 78.20% | 86.93% | Beats 69% | 517 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.18% | 0.26% | 0.65% | 1.29% | Beats 28% | 1,217 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.25% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,108 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.25% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,108 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 40.73% | 52.61% | 69.38% | 83.50% | 12th pctl | 1,486 / 1,683 | ||
| Loans / Assets | 36.00% | 44.71% | 59.18% | 70.72% | 14th pctl | 1,446 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||