Oxford, OH · Charter 19678
NCUA · 4 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 in the Cincinnati, OH-KY-IN area (n=26). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
12
Profitability
23
Liquidity
61
Efficiency
58
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.
Oxford, OH · Charter 19678
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 0.76% | 0.83% | 0.50% | 0.45% | -27 bps | |
| Return on Equity | 5.76% | 5.93% | 6.50% | 3.89% | 3.54% | -222 bps | |
| Net Interest Margin | 3.19% | 3.28% | 3.28% | 3.21% | 3.16% | -3 bps | |
| Efficiency Ratio | 77.86% | 77.03% | 75.56% | 75.65% | 75.62% | -224 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.03% | 3.79% | 5.92% | 4.50% | 4.49% | +552 bps | |
| Loan Growth (YoY) | -1.78% | -1.50% | -2.31% | -4.76% | -4.84% | -306 bps | |
| Share Growth (YoY) | -2.16% | 3.71% | 5.65% | 4.33% | 3.57% | +574 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.59% | 0.58% | 0.56% | 1.48% | 2.41% | +182 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.57% | 12.80% | 12.73% | 12.86% | 12.73% | +15 bps | |
| Net Worth / Assets | 12.57% | 12.80% | 12.73% | 12.86% | 12.73% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.60% | 60.16% | 58.12% | 56.98% | 55.68% | -492 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oxford, OH · Charter 19678 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 4 branches
Q2 2026
Return on Assets
0.45%
Rank 18 of 26
Net Interest Margin
3.16%
Rank 22 of 26
Efficiency Ratio
75.59%
Rank 12 of 26
Equity / Assets
12.73%
Rank 13 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 0.41% | 0.79% | 1.34% | Beats 31% | 18 / 26 | |
| Return on Equity | 3.53% | 3.53% | 6.04% | 8.49% | Beats 23% | 20 / 26 | |
| Net Interest Margin | 3.16% | 3.25% | 4.11% | 4.64% | Beats 15% | 22 / 26 | |
| Efficiency Ratio | 75.59% | 71.52% | 75.99% | 84.12% | Beats 58% | 12 / 26 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.41% | 0.40% | 1.09% | 2.09% | Beats 12% | 24 / 26 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.73% | 10.31% | 12.73% | 15.29% | Beats 50% | 13 / 26 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.73% | 10.31% | 12.73% | 15.29% | Beats 50% | 13 / 26 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.68% | 51.92% | 65.22% | 76.21% | 38th pctl | 16 / 26 | |
| Loans / Assets | 48.05% | 44.32% | 54.77% | 68.75% | 35th pctl | 17 / 26 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||