Highland Height, KY · Charter 21339
NCUA · 2 branches
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 in the Cincinnati, OH-KY-IN area (n=26). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
65
Asset Quality
85
Profitability
79
Liquidity
40
Efficiency
88
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.
Highland Height, KY · Charter 21339
NCUA · 2 branches
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% | 1.65% | 1.67% | 1.72% | 1.61% | -5 bps | |
| Return on Equity | 13.12% | 12.63% | 12.14% | 12.79% | 11.49% | -163 bps | |
| Net Interest Margin | 4.32% | 4.39% | 4.53% | 4.21% | 4.32% | +1 bps | |
| Efficiency Ratio | 68.81% | 69.01% | 69.49% | 65.35% | 68.53% | -29 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.20% | 2.76% | 1.31% | 4.52% | 1.63% | -57 bps | |
| Loan Growth (YoY) | 5.02% | 9.22% | 7.16% | 10.51% | 11.24% | +622 bps | |
| Share Growth (YoY) | 1.85% | 0.05% | 0.17% | 3.37% | -0.28% | -214 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 0.66% | 0.52% | 0.32% | 0.29% | -33 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 | 12.61% | 13.04% | 13.78% | 13.42% | 13.99% | +138 bps | |
| Net Worth / Assets | 12.61% | 13.04% | 13.78% | 13.42% | 13.99% | +138 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.10% | 50.05% | 51.93% | 49.37% | 51.43% | +533 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Highland Height, KY · Charter 21339 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 2 branches
Q2 2026
Return on Assets
1.61%
Rank 3 of 26
Net Interest Margin
4.32%
Rank 11 of 26
Efficiency Ratio
68.50%
Rank 4 of 26
Equity / Assets
13.99%
Rank 9 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.61% | 0.41% | 0.79% | 1.34% | Beats 88% | 3 / 26 | |
| Return on Equity | 11.49% | 3.53% | 6.04% | 8.49% | Beats 92% | 2 / 26 | |
| Net Interest Margin | 4.32% | 3.25% | 4.11% | 4.64% | Beats 58% | 11 / 26 | |
| Efficiency Ratio | 68.50% | 71.52% | 75.99% | 84.12% | Beats 88% | 4 / 26 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.29% | 0.40% | 1.09% | 2.09% | Beats 85% | 5 / 26 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.99% | 10.31% | 12.73% | 15.29% | Beats 65% | 9 / 26 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.99% | 10.31% | 12.73% | 15.29% | Beats 65% | 9 / 26 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 51.43% | 51.92% | 65.22% | 76.21% | 19th pctl | 21 / 26 | |
| Loans / Assets | 43.38% | 44.32% | 54.77% | 68.75% | 19th pctl | 21 / 26 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||