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 | |