PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Doy

Youngstown, OH · Charter 20661

NCUA · 1 branch

Q2 2026

$70.8MAssets
$27.3MLoans
$60.8MShares
$10.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.75%, up 27 bps year over year; NIM at 1.46%.
  • Asset quality: problem loans at 0.25% of loans (+21 bps YoY).
  • Capital: net worth / assets of 14.12%, down 20 bps from a year ago.
  • Funding: loans stand at 44.91% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.75%+27 bps YoY

Net Interest Margin (YTD, annualized)

1.46%+23 bps YoY

Efficiency Ratio (YTD, annualized)

49.86%-1,170 bps YoY

Net Worth / Assets

14.12%-20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.45%0.45%0.75%0.75%+27 bps
Return on Equity3.39%3.11%3.21%5.34%5.32%+193 bps
Net Interest Margin1.23%1.22%1.20%1.47%1.46%+23 bps
Efficiency Ratio61.56%64.12%62.91%49.83%49.86%-1,170 bps
Growth
Asset Growth (YoY)7.57%8.21%10.48%7.32%5.84%-174 bps
Loan Growth (YoY)-1.20%3.53%3.81%7.46%6.89%+810 bps
Share Growth (YoY)8.54%9.13%11.75%7.92%6.09%-245 bps
Asset Quality
Delinquent Loans / Loans0.04%0.05%0.03%0.03%0.25%+21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.32%14.43%14.05%14.08%14.12%-20 bps
Net Worth / Assets14.32%14.43%14.05%14.08%14.12%-20 bps
Liquidity & Funding
Loans / Shares44.57%45.02%42.45%43.61%44.91%+34 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps