Cincinnati, OH · Charter 20186
NCUA · 1 branch
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
92
Asset Quality
65
Profitability
50
Liquidity
2
Efficiency
100
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.
Cincinnati, OH · Charter 20186
NCUA · 1 branch
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 | 1.20% | 1.19% | 0.45% | 1.62% | 1.65% | 1.65% | 1.55% | 1.48% | -14 bps | |
| Return on Equity | 6.39% | 6.12% | 2.33% | 8.22% | 8.27% | 8.25% | 7.73% | 7.29% | -94 bps | |
| Net Interest Margin | 2.36% | 2.48% | 1.52% | 2.79% | 2.87% | 2.83% | 2.71% | 2.70% | -9 bps | |
| Efficiency Ratio | 58.70% | 59.93% | 74.87% | 47.57% | 48.23% | 47.47% | 49.02% | 50.87% | +330 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.06% | -1.42% | 0.12% | 0.36% | 1.78% | 6.13% | 4.19% | 5.15% | +479 bps | |
| Loan Growth (YoY) | -9.66% | -15.50% | -18.11% | -16.17% | -16.52% | -15.03% | -9.82% | -4.22% | +1,195 bps | |
| Share Growth (YoY) | -6.25% | -3.43% | -1.59% | -1.46% | 0.15% | 3.99% | 3.08% | 4.29% | +574 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.13% | 0.12% | 0.27% | 0.31% | 0.51% | 0.69% | 0.52% | +24 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 | 18.72% | 19.50% | 19.16% | 19.71% | 19.96% | 20.02% | 20.01% | 20.33% | +62 bps | |
| Net Worth / Assets | 18.72% | 19.50% | 19.16% | 19.71% | 19.96% | 20.02% | 20.01% | 20.33% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.11% | 55.17% | 48.41% | 47.75% | 45.94% | 45.08% | 42.36% | 43.86% | -390 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cincinnati, OH · Charter 20186 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 1 branch
Q2 2026
Return on Assets
1.48%
Rank 5 of 26
Net Interest Margin
2.70%
Rank 25 of 26
Efficiency Ratio
50.92%
Rank 1 of 26
Equity / Assets
20.33%
Rank 2 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.48% | 0.41% | 0.79% | 1.34% | Beats 81% | 5 / 26 | ||
| Return on Equity | 7.28% | 3.53% | 6.04% | 8.49% | Beats 65% | 9 / 26 | ||
| Net Interest Margin | 2.70% | 3.25% | 4.11% | 4.64% | Beats 4% | 25 / 26 | ||
| Efficiency Ratio | 50.92% | 71.52% | 75.99% | 84.12% | Beats 100% | 1 / 26 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.52% | 0.40% | 1.09% | 2.09% | Beats 65% | 10 / 26 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.33% | 10.31% | 12.73% | 15.29% | Beats 92% | 2 / 26 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.33% | 10.31% | 12.73% | 15.29% | Beats 92% | 2 / 26 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.86% | 51.92% | 65.22% | 76.21% | 12th pctl | 23 / 26 | ||
| Loans / Assets | 34.74% | 44.32% | 54.77% | 68.75% | 8th pctl | 24 / 26 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||