Tiltonsville, OH · Charter 17550
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
67
Asset Quality
18
Profitability
57
Liquidity
44
Efficiency
46
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.
Tiltonsville, OH · Charter 17550
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 | 1.30% | 1.25% | 1.23% | 1.30% | 1.68% | 1.45% | 0.77% | 0.91% | -39 bps | |
| Return on Equity | 9.71% | 9.59% | 9.18% | 9.33% | 11.73% | 9.77% | 5.29% | 6.07% | -326 bps | |
| Net Interest Margin | 4.10% | 3.92% | 3.85% | 3.88% | 3.83% | 3.94% | 3.81% | 3.98% | +10 bps | |
| Efficiency Ratio | 67.20% | 67.47% | 67.49% | 68.57% | 63.29% | 67.77% | 78.13% | 79.17% | +1,059 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.63% | 5.46% | 3.56% | 4.46% | 5.21% | -2.51% | 1.91% | 0.87% | -359 bps | |
| Loan Growth (YoY) | 35.86% | 31.72% | 27.31% | 12.45% | 5.87% | 6.70% | 1.44% | 7.74% | -471 bps | |
| Share Growth (YoY) | -2.03% | 4.72% | 2.37% | 3.44% | 4.06% | -4.49% | 0.66% | -0.63% | -407 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.05% | 0.00% | 0.09% | 0.30% | 1.34% | 1.47% | 1.65% | +156 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 | 13.41% | 13.04% | 13.45% | 13.93% | 14.34% | 14.82% | 14.47% | 15.05% | +112 bps | |
| Net Worth / Assets | 13.41% | 13.04% | 13.45% | 13.93% | 14.34% | 14.82% | 14.47% | 15.05% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.53% | 46.23% | 49.41% | 48.14% | 48.36% | 51.64% | 49.79% | 52.19% | +405 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tiltonsville, OH · Charter 17550 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.91%
Rank 669 of 1,683
Net Interest Margin
3.97%
Rank 693 of 1,683
Efficiency Ratio
79.32%
Rank 905 of 1,682
Equity / Assets
15.05%
Rank 549 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.91% | 0.35% | 0.74% | 1.18% | Beats 60% | 669 / 1,683 | ||
| Return on Equity | 6.05% | 2.67% | 5.89% | 8.74% | Beats 52% | 809 / 1,681 | ||
| Net Interest Margin | 3.97% | 3.31% | 3.82% | 4.32% | Beats 59% | 693 / 1,683 | ||
| Efficiency Ratio | 79.32% | 68.91% | 78.20% | 86.93% | Beats 46% | 905 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.65% | 0.26% | 0.65% | 1.29% | Beats 18% | 1,379 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.05% | 10.44% | 12.89% | 16.53% | Beats 67% | 549 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.05% | 10.44% | 12.89% | 16.53% | Beats 67% | 549 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 52.19% | 52.61% | 69.38% | 83.50% | 24th pctl | 1,273 / 1,683 | ||
| Loans / Assets | 44.22% | 44.71% | 59.18% | 70.72% | 24th pctl | 1,273 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||