Cincinnati, OH · Charter 21157
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 | 1.65% | 1.61% | 1.53% | 1.20% | 1.05% | -60 bps | |
| Return on Equity | 11.89% | 11.12% | 10.43% | 8.36% | 6.86% | -503 bps | |
| Net Interest Margin | 5.41% | 5.45% | 5.41% | 4.97% | 5.24% | -17 bps | |
| Efficiency Ratio | 67.97% | 68.73% | 69.64% | 73.36% | 75.89% | +791 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.78% | 2.25% | 1.34% | 1.52% | -1.37% | -59 bps | |
| Loan Growth (YoY) | 9.18% | 0.80% | 0.24% | -4.12% | -5.89% | -1,507 bps | |
| Share Growth (YoY) | -2.59% | 1.12% | -0.25% | 1.44% | -2.53% | +7 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.74% | 0.63% | 0.48% | 0.73% | 0.67% | -7 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 | 13.91% | 14.43% | 14.65% | 14.35% | 15.29% | +139 bps | |
| Net Worth / Assets | 13.91% | 14.43% | 14.65% | 14.35% | 15.29% | +139 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.66% | 52.99% | 54.08% | 51.31% | 52.77% | -189 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |