Minerva, OH · Charter 20622
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 | 2.34% | 2.23% | 0.75% | 1.40% | 1.55% | 1.41% | 1.13% | 1.33% | -6 bps | |
| Return on Equity | 15.49% | 14.78% | 5.20% | 9.22% | 9.76% | 8.94% | 7.55% | 8.85% | -37 bps | |
| Net Interest Margin | 6.19% | 5.95% | 5.34% | 5.52% | 5.68% | 5.52% | 5.06% | 5.10% | -42 bps | |
| Efficiency Ratio | 64.57% | 65.38% | 70.60% | 68.54% | 68.43% | 70.66% | 69.45% | 69.97% | +143 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.50% | 14.59% | 9.81% | 5.02% | 6.19% | 4.94% | 6.73% | 10.14% | +512 bps | |
| Loan Growth (YoY) | -6.64% | -10.66% | -9.66% | -3.53% | -4.38% | -2.73% | 0.47% | 2.08% | +561 bps | |
| Share Growth (YoY) | 9.29% | 14.07% | 9.08% | 4.06% | 5.33% | 4.19% | 6.14% | 10.28% | +621 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.53% | 1.07% | 0.62% | 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 | 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 | 15.09% | 15.06% | 14.41% | 15.16% | 15.90% | 15.76% | 14.92% | 15.08% | -7 bps | |
| Net Worth / Assets | 15.09% | 15.06% | 14.41% | 15.16% | 15.90% | 15.76% | 14.92% | 15.08% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.98% | 56.90% | 52.33% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |