Marysville, OH · Charter 21787
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 Salt Lake City-Murray, UT area (n=23 to 24). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
92
Asset Quality
100
Profitability
33
Liquidity
0
Efficiency
50
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.
Marysville, OH · Charter 21787
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.05% | 0.95% | -0.28% | 0.38% | -0.35% | -0.74% | 0.49% | 0.63% | +26 bps | |
| Return on Equity | -2.97% | 2.67% | -0.81% | 1.08% | -1.03% | -2.06% | 1.35% | 1.72% | +64 bps | |
| Net Interest Margin | 2.12% | 3.83% | 2.97% | 2.91% | 2.88% | 2.99% | 3.64% | 3.29% | +38 bps | |
| Efficiency Ratio | 149.17% | 75.44% | 109.49% | 87.19% | 112.19% | 118.69% | 86.61% | 80.88% | -631 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.15% | 0.61% | -0.73% | 1.48% | 3.25% | -2.46% | -3.89% | -6.25% | -773 bps | |
| Loan Growth (YoY) | 32.66% | -9.74% | -13.42% | 0.00% | -1.52% | -0.09% | 1.15% | 2.63% | +262 bps | |
| Share Growth (YoY) | -1.62% | -0.54% | -1.88% | 1.04% | 4.57% | -3.04% | -5.81% | -9.26% | -1,029 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.49% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 9.61% | 2.11% | 4.20% | 4.30% | 4.27% | 4.99% | 5.47% | 5.08% | +79 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 35.43% | 35.55% | 35.20% | 34.84% | 34.25% | 35.92% | 36.47% | 36.97% | +213 bps | |
| Net Worth / Assets | 35.43% | 35.55% | 35.20% | 34.84% | 34.25% | 35.92% | 36.47% | 36.97% | +213 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.65% | 22.42% | 22.04% | 23.05% | 24.15% | 23.10% | 23.67% | 26.06% | +302 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Marysville, OH · Charter 21787 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 2 branches
Q2 2026
Return on Assets
0.67%
Rank 13 of 24
Net Interest Margin
3.36%
Rank 16 of 24
Efficiency Ratio
80.00%
Rank 13 of 24
Equity / Assets
36.97%
Rank 2 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.67% | 0.41% | 0.67% | 1.12% | Beats 46% | 13 / 24 | ||
| Return on Equity | 1.82% | 2.16% | 5.02% | 6.69% | Beats 21% | 19 / 24 | ||
| Net Interest Margin | 3.36% | 3.10% | 3.61% | 4.01% | Beats 33% | 16 / 24 | ||
| Efficiency Ratio | 80.00% | 71.14% | 80.00% | 84.92% | Beats 50% | 13 / 24 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.07% | 0.54% | 1.38% | Beats 100% | 3 / 23 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 36.97% | 10.05% | 16.75% | 21.42% | Beats 92% | 2 / 24 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 36.97% | 10.05% | 16.75% | 21.42% | Beats 92% | 2 / 24 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 26.03% | 42.86% | 62.34% | 82.18% | 4th pctl | 22 / 23 | ||
| Loans / Assets | 16.32% | 32.11% | 55.16% | 70.89% | 8th pctl | 22 / 24 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||