PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Eight

Rossford, OH · Charter 20222

NCUA · 1 branch

Q2 2026

$25.3MAssets
$8.1MLoans
$21.4MShares
$3.7MNet 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 1.57%, down 7 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.02% of loans (+2 bps YoY).
  • Capital: net worth / assets of 14.76%, up 76 bps from a year ago.
  • Funding: loans stand at 37.91% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.57%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.33%-21 bps YoY

Efficiency Ratio (YTD, annualized)

57.50%+110 bps YoY

Net Worth / Assets

14.76%+76 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.64%1.80%1.56%1.43%1.57%-7 bps
Return on Equity11.74%12.09%10.79%9.92%10.63%-111 bps
Net Interest Margin3.54%3.66%3.47%3.22%3.33%-21 bps
Efficiency Ratio56.40%55.36%58.59%60.38%57.50%+110 bps
Growth
Asset Growth (YoY)14.60%14.08%14.74%14.88%5.66%-893 bps
Loan Growth (YoY)-4.09%-1.12%1.97%4.77%-3.11%+98 bps
Share Growth (YoY)14.28%14.02%14.92%15.24%4.72%-956 bps
Asset Quality
Delinquent Loans / Loans0.00%0.01%0.00%0.02%0.02%+2 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 Capital13.99%14.87%14.47%14.40%14.76%+76 bps
Net Worth / Assets13.99%14.87%14.47%14.40%14.76%+76 bps
Liquidity & Funding
Loans / Shares40.98%41.95%39.75%39.42%37.91%-307 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps