PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Quest

Kenton, OH · Charter 19508

NCUA · 7 branches

Q2 2026

$237.5MAssets
$159.7MLoans
$215.7MShares
$21.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.71%, up 6 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.94% of loans (-30 bps YoY).
  • Capital: net worth / assets of 8.85%, down 8 bps from a year ago.
  • Funding: loans stand at 74.03% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.71%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.99%+8 bps YoY

Efficiency Ratio (YTD, annualized)

86.43%+101 bps YoY

Net Worth / Assets

8.85%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.71%0.72%0.35%0.71%+6 bps
Return on Equity7.30%7.64%8.16%4.14%8.01%+71 bps
Net Interest Margin3.92%4.01%3.72%3.69%3.99%+8 bps
Efficiency Ratio85.42%84.33%83.83%91.37%86.43%+101 bps
Growth
Asset Growth (YoY)12.74%9.48%15.02%15.04%9.44%-330 bps
Loan Growth (YoY)9.61%9.30%9.63%8.43%8.62%-99 bps
Share Growth (YoY)14.26%10.25%15.88%16.30%9.69%-457 bps
Asset Quality
Delinquent Loans / Loans1.24%0.84%1.06%1.07%0.94%-30 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.94%9.29%8.76%8.43%8.85%-8 bps
Net Worth / Assets8.94%9.29%8.76%8.43%8.85%-8 bps
Liquidity & Funding
Loans / Shares74.75%76.59%72.00%69.74%74.03%-73 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps