Oak Harbor, OH · Charter 21873
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.44% | 0.49% | 0.48% | 0.92% | 0.28% | -16 bps | |
| Return on Equity | 4.31% | 4.85% | 4.68% | 8.99% | 2.74% | -157 bps | |
| Net Interest Margin | 3.60% | 3.64% | 3.82% | 4.01% | 4.13% | +53 bps | |
| Efficiency Ratio | 85.00% | 85.68% | 86.63% | 79.43% | 87.14% | +214 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.39% | 15.12% | 7.01% | 6.04% | 3.03% | -736 bps | |
| Loan Growth (YoY) | 15.44% | 14.10% | 7.93% | 7.52% | 1.35% | -1,409 bps | |
| Share Growth (YoY) | 11.65% | 15.15% | 6.73% | 6.88% | 3.79% | -786 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.26% | 0.64% | 1.06% | 0.24% | 1.82% | +156 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 | 10.18% | 10.08% | 10.28% | 10.24% | 10.21% | +2 bps | |
| Net Worth / Assets | 10.18% | 10.08% | 10.28% | 10.24% | 10.21% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.48% | 80.54% | 83.52% | 79.21% | 80.54% | -194 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |