Cambridge, OH · Charter 20570
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 | 1.46% | 0.97% | 1.25% | 1.14% | 1.05% | 0.51% | 0.93% | 1.07% | -7 bps | |
| Return on Equity | 10.26% | 7.05% | 9.11% | 9.07% | 8.51% | 4.41% | 8.23% | 9.28% | +20 bps | |
| Net Interest Margin | 3.66% | 3.25% | 3.51% | 2.96% | 2.94% | 2.55% | 2.64% | 2.69% | -27 bps | |
| Efficiency Ratio | 62.01% | 69.15% | 66.17% | 63.45% | 66.27% | 80.69% | 66.20% | 62.31% | -113 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.71% | -0.93% | 5.24% | 16.27% | 22.57% | 23.83% | 26.41% | 14.31% | -197 bps | |
| Loan Growth (YoY) | 0.10% | -0.83% | -1.88% | -7.99% | -8.89% | -6.93% | -13.46% | -9.52% | -153 bps | |
| Share Growth (YoY) | -2.97% | -2.18% | 4.86% | 17.66% | 25.32% | 26.86% | 29.91% | 15.68% | -198 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 1.88% | 2.10% | 1.59% | 2.32% | 5.02% | 3.82% | 3.79% | +220 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 | 0.75% | 0.96% | 0.91% | 0.96% | 0.95% | 0.90% | 0.96% | 0.97% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.22% | 13.76% | 13.72% | 12.62% | 12.31% | 11.62% | 11.33% | 11.56% | -106 bps | |
| Net Worth / Assets | 14.22% | 13.76% | 13.72% | 12.62% | 12.31% | 11.62% | 11.33% | 11.56% | -106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.85% | 56.69% | 55.49% | 46.85% | 44.97% | 41.59% | 36.96% | 36.65% | -1,021 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |