Martins Ferry, OH · Charter 19433
NCUA · 3 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
72
Asset Quality
8
Profitability
92
Liquidity
49
Efficiency
68
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.
Martins Ferry, OH · Charter 19433
NCUA · 3 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 | 1.09% | 1.07% | 1.02% | 1.21% | 1.31% | 1.39% | 1.68% | 1.81% | +61 bps | |
| Return on Equity | 7.80% | 7.34% | 6.89% | 8.18% | 8.83% | 9.15% | 10.85% | 11.56% | +339 bps | |
| Net Interest Margin | 4.59% | 4.74% | 4.86% | 4.83% | 4.85% | 4.95% | 5.04% | 5.07% | +24 bps | |
| Efficiency Ratio | 72.99% | 72.67% | 74.44% | 73.08% | 71.04% | 71.67% | 73.16% | 71.86% | -122 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.02% | -3.12% | -4.21% | -2.66% | 2.92% | 5.87% | 6.56% | 5.48% | +814 bps | |
| Loan Growth (YoY) | 3.42% | -5.83% | -5.97% | -6.11% | -4.08% | 1.19% | 0.15% | -2.04% | +406 bps | |
| Share Growth (YoY) | 0.84% | -4.80% | -5.96% | -4.28% | 2.02% | 5.19% | 5.85% | 4.47% | +875 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.15% | 3.80% | 2.39% | 2.26% | 1.52% | 1.49% | 2.35% | 2.91% | +66 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 | 14.02% | 14.63% | 14.80% | 14.76% | 14.82% | 15.21% | 15.44% | 15.68% | +92 bps | |
| Net Worth / Assets | 14.02% | 14.63% | 14.80% | 14.76% | 14.82% | 15.21% | 15.44% | 15.68% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.09% | 59.71% | 58.61% | 57.46% | 56.50% | 57.44% | 55.45% | 53.87% | -358 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Martins Ferry, OH · Charter 19433 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.81%
Rank 123 of 1,683
Net Interest Margin
5.07%
Rank 131 of 1,683
Efficiency Ratio
71.91%
Rank 534 of 1,682
Equity / Assets
15.68%
Rank 478 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.81% | 0.35% | 0.74% | 1.18% | Beats 93% | 123 / 1,683 | ||
| Return on Equity | 11.57% | 2.67% | 5.89% | 8.74% | Beats 90% | 162 / 1,681 | ||
| Net Interest Margin | 5.07% | 3.31% | 3.82% | 4.32% | Beats 92% | 131 / 1,683 | ||
| Efficiency Ratio | 71.91% | 68.91% | 78.20% | 86.93% | Beats 68% | 534 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.91% | 0.26% | 0.65% | 1.29% | Beats 8% | 1,545 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.68% | 10.44% | 12.89% | 16.53% | Beats 72% | 478 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.68% | 10.44% | 12.89% | 16.53% | Beats 72% | 478 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.87% | 52.61% | 69.38% | 83.50% | 26th pctl | 1,239 / 1,683 | ||
| Loans / Assets | 45.22% | 44.71% | 59.18% | 70.72% | 26th pctl | 1,250 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||