Heath, OH · Charter 20302
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 1.14% | 1.20% | 1.29% | 1.16% | +12 bps | |
| Return on Equity | 8.23% | 8.96% | 9.50% | 10.01% | 9.04% | +81 bps | |
| Net Interest Margin | 3.78% | 3.82% | 3.77% | 3.87% | 3.79% | +1 bps | |
| Efficiency Ratio | 75.59% | 73.41% | 71.31% | 69.80% | 71.70% | -390 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.16% | 5.38% | 9.17% | 4.45% | 8.91% | +675 bps | |
| Loan Growth (YoY) | 6.41% | 9.13% | 11.09% | 11.97% | 0.58% | -584 bps | |
| Share Growth (YoY) | 1.29% | 4.81% | 8.98% | 3.53% | 8.69% | +740 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.56% | 12.71% | 12.67% | 12.93% | 12.80% | +24 bps | |
| Net Worth / Assets | 12.56% | 12.71% | 12.67% | 12.93% | 12.80% | +24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |