Martins Ferry, OH · Charter 19433
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |