Kenton, OH · Charter 19508
NCUA · 7 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 | 0.73% | 0.81% | 0.60% | 0.65% | 0.71% | 0.72% | 0.35% | 0.71% | +6 bps | |
| Return on Equity | 7.75% | 8.68% | 6.65% | 7.30% | 7.64% | 8.16% | 4.14% | 8.01% | +71 bps | |
| Net Interest Margin | 4.33% | 4.28% | 3.96% | 3.92% | 4.01% | 3.72% | 3.69% | 3.99% | +8 bps | |
| Efficiency Ratio | 82.56% | 79.88% | 87.99% | 85.42% | 84.33% | 83.83% | 91.37% | 86.43% | +101 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.05% | 9.84% | 12.31% | 12.74% | 9.48% | 15.02% | 15.04% | 9.44% | -330 bps | |
| Loan Growth (YoY) | 11.73% | 11.98% | 11.05% | 9.61% | 9.30% | 9.63% | 8.43% | 8.62% | -99 bps | |
| Share Growth (YoY) | 7.48% | 10.98% | 13.83% | 14.26% | 10.25% | 15.88% | 16.30% | 9.69% | -457 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.00% | 0.89% | 0.68% | 1.24% | 0.84% | 1.06% | 1.07% | 0.94% | -30 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 | 9.38% | 9.34% | 9.03% | 8.94% | 9.29% | 8.76% | 8.43% | 8.85% | -8 bps | |
| Net Worth / Assets | 9.38% | 9.34% | 9.03% | 8.94% | 9.29% | 8.76% | 8.43% | 8.85% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.26% | 76.11% | 74.80% | 74.75% | 76.59% | 72.00% | 69.74% | 74.03% | -73 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |