Heath, OH · Charter 20302
NCUA · 2 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 Columbus, OH area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
83
Asset Quality
83
Profitability
74
Liquidity
20
Efficiency
83
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.
Heath, OH · Charter 20302
NCUA · 2 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 | 0.94% | 0.95% | 0.86% | 1.03% | 1.14% | 1.20% | 1.29% | 1.16% | +12 bps | |
| Return on Equity | 7.64% | 7.61% | 7.08% | 8.23% | 8.96% | 9.50% | 10.01% | 9.04% | +81 bps | |
| Net Interest Margin | 3.49% | 3.56% | 3.59% | 3.78% | 3.82% | 3.77% | 3.87% | 3.79% | +1 bps | |
| Efficiency Ratio | 76.32% | 76.04% | 79.34% | 75.59% | 73.41% | 71.31% | 69.80% | 71.70% | -390 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.69% | 1.26% | 5.73% | 2.16% | 5.38% | 9.17% | 4.45% | 8.91% | +675 bps | |
| Loan Growth (YoY) | 2.95% | -1.32% | -3.06% | 6.41% | 9.13% | 11.09% | 11.97% | 0.58% | -584 bps | |
| Share Growth (YoY) | 0.91% | 0.32% | 5.39% | 1.29% | 4.81% | 8.98% | 3.53% | 8.69% | +740 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.69% | 0.70% | 0.56% | 0.73% | 0.92% | 0.22% | 0.30% | -26 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 | 12.25% | 12.52% | 12.13% | 12.56% | 12.71% | 12.67% | 12.93% | 12.80% | +24 bps | |
| Net Worth / Assets | 12.25% | 12.52% | 12.13% | 12.56% | 12.71% | 12.67% | 12.93% | 12.80% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.80% | 45.95% | 41.76% | 47.22% | 48.73% | 46.84% | 45.17% | 43.70% | -352 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Heath, OH · Charter 20302 · Peer group: credit unions under $1B in assets in the Columbus, OH area (n=18)
NCUA · 2 branches
Q2 2026
Return on Assets
1.16%
Rank 4 of 18
Net Interest Margin
3.79%
Rank 5 of 18
Efficiency Ratio
71.68%
Rank 4 of 18
Equity / Assets
12.80%
Rank 3 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.16% | 0.59% | 0.76% | 0.99% | Beats 78% | 4 / 18 | ||
| Return on Equity | 9.05% | 4.13% | 7.59% | 9.05% | Beats 72% | 5 / 18 | ||
| Net Interest Margin | 3.79% | 3.24% | 3.56% | 3.79% | Beats 72% | 5 / 18 | ||
| Efficiency Ratio | 71.68% | 72.20% | 76.10% | 84.19% | Beats 83% | 4 / 18 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.29% | 0.37% | 0.66% | 1.08% | Beats 83% | 4 / 18 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.80% | 9.66% | 10.67% | 11.63% | Beats 83% | 3 / 18 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.80% | 9.66% | 10.67% | 11.63% | Beats 83% | 3 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.70% | 47.40% | 66.89% | 76.69% | 17th pctl | 15 / 18 | ||
| Loans / Assets | 38.01% | 43.35% | 60.60% | 69.11% | 17th pctl | 15 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||