Minerva, OH · Charter 20622
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
68
Asset Quality
83
Profitability
83
Liquidity
40
Efficiency
73
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.
Minerva, OH · Charter 20622
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.40% | 1.55% | 1.41% | 1.13% | 1.33% | -6 bps | |
| Return on Equity | 9.22% | 9.76% | 8.94% | 7.55% | 8.85% | -37 bps | |
| Net Interest Margin | 5.52% | 5.68% | 5.52% | 5.06% | 5.10% | -42 bps | |
| Efficiency Ratio | 68.54% | 68.43% | 70.66% | 69.45% | 69.97% | +143 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.02% | 6.19% | 4.94% | 6.73% | 10.14% | +512 bps | |
| Loan Growth (YoY) | -3.53% | -4.38% | -2.73% | 0.47% | 2.08% | +561 bps | |
| Share Growth (YoY) | 4.06% | 5.33% | 4.19% | 6.14% | 10.28% | +621 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.65% | 1.27% | 1.28% | 0.47% | 0.14% | -51 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 | 15.16% | 15.90% | 15.76% | 14.92% | 15.08% | -7 bps | |
| Net Worth / Assets | 15.16% | 15.90% | 15.76% | 14.92% | 15.08% | -7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.97% | 56.27% | 53.12% | 49.54% | 50.89% | -409 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Minerva, OH · Charter 20622 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.33%
Rank 327 of 1,683
Net Interest Margin
5.11%
Rank 125 of 1,683
Efficiency Ratio
69.88%
Rank 451 of 1,682
Equity / Assets
15.08%
Rank 543 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.33% | 0.35% | 0.74% | 1.18% | Beats 81% | 327 / 1,683 | |
| Return on Equity | 8.84% | 2.67% | 5.89% | 8.74% | Beats 75% | 412 / 1,681 | |
| Net Interest Margin | 5.11% | 3.31% | 3.82% | 4.32% | Beats 93% | 125 / 1,683 | |
| Efficiency Ratio | 69.88% | 68.91% | 78.20% | 86.93% | Beats 73% | 451 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.14% | 0.26% | 0.65% | 1.29% | Beats 83% | 283 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.08% | 10.44% | 12.89% | 16.53% | Beats 68% | 543 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.08% | 10.44% | 12.89% | 16.53% | Beats 68% | 543 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 50.89% | 52.61% | 69.38% | 83.50% | 23rd pctl | 1,301 / 1,683 | |
| Loans / Assets | 43.06% | 44.71% | 59.18% | 70.72% | 23rd pctl | 1,300 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||