Elmore, OH · Charter 20063
NCUA · 1 branch
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 | 1.48% | 1.33% | 1.58% | 1.42% | 1.50% | 1.19% | 0.38% | 0.52% | -90 bps | |
| Return on Equity | 8.96% | 8.02% | 9.38% | 8.66% | 8.61% | 7.68% | 2.48% | 3.55% | -510 bps | |
| Net Interest Margin | 3.16% | 3.19% | 3.32% | 3.26% | 3.42% | 2.99% | 2.61% | 2.52% | -74 bps | |
| Efficiency Ratio | 63.34% | 66.03% | 62.55% | 60.79% | 59.89% | 63.74% | 67.06% | 69.11% | +832 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.21% | 1.30% | 1.21% | 3.70% | 2.52% | 15.64% | 17.12% | 18.22% | +1,452 bps | |
| Loan Growth (YoY) | 5.31% | -0.12% | 0.26% | 2.28% | 3.03% | 4.56% | 0.03% | -2.20% | -448 bps | |
| Share Growth (YoY) | -1.88% | 0.52% | -1.68% | 2.44% | 1.06% | 17.40% | 20.91% | 21.22% | +1,878 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.06% | 0.13% | 0.14% | 0.07% | 0.22% | 0.13% | 0.00% | -14 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 | 16.47% | 16.60% | 16.84% | 16.42% | 17.42% | 15.55% | 15.30% | 14.66% | -177 bps | |
| Net Worth / Assets | 16.47% | 16.60% | 16.84% | 16.42% | 17.42% | 15.55% | 15.30% | 14.66% | -177 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.79% | 81.70% | 83.92% | 81.14% | 84.41% | 72.77% | 69.43% | 65.47% | -1,567 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |