PackageTrendsPeer
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Commodore Perry

Oak Harbor, OH · Charter 21873

NCUA · 3 branches

Q2 2026

$102.3MAssets
$70.1MLoans
$87.0MShares
$10.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.28%, down 16 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 1.82% of loans (+156 bps YoY).
  • Capital: net worth / assets of 10.21%, up 2 bps from a year ago.
  • Funding: loans stand at 80.54% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.28%-16 bps YoY

Net Interest Margin (YTD, annualized)

4.13%+53 bps YoY

Efficiency Ratio (YTD, annualized)

87.14%+214 bps YoY

Net Worth / Assets

10.21%+2 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.61%0.21%0.44%0.49%0.48%0.92%0.28%-16 bps
Return on Equity4.43%5.73%2.08%4.31%4.85%4.68%8.99%2.74%-157 bps
Net Interest Margin3.74%3.58%3.61%3.60%3.64%3.82%4.01%4.13%+53 bps
Efficiency Ratio86.31%84.50%89.92%85.00%85.68%86.63%79.43%87.14%+214 bps
Growth
Asset Growth (YoY)0.90%8.63%12.84%10.39%15.12%7.01%6.04%3.03%-736 bps
Loan Growth (YoY)6.45%13.12%10.47%15.44%14.10%7.93%7.52%1.35%-1,409 bps
Share Growth (YoY)1.09%9.53%13.90%11.65%15.15%6.73%6.88%3.79%-786 bps
Asset Quality
Delinquent Loans / Loans1.56%1.06%0.12%0.26%0.64%1.06%0.24%1.82%+156 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.00%10.57%10.25%10.18%10.08%10.28%10.24%10.21%+2 bps
Net Worth / Assets11.00%10.57%10.25%10.18%10.08%10.28%10.24%10.21%+2 bps
Liquidity & Funding
Loans / Shares81.28%82.59%78.74%82.48%80.54%83.52%79.21%80.54%-194 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps