Cincinnati, OH · Charter 21930
NCUA · 10 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
42
Asset Quality
81
Profitability
49
Liquidity
0
Efficiency
69
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.
Cincinnati, OH · Charter 21930
NCUA · 10 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 | 1.10% | 1.03% | 1.00% | 0.62% | 0.84% | -26 bps | |
| Return on Equity | 9.48% | 8.96% | 8.74% | 5.49% | 7.23% | -225 bps | |
| Net Interest Margin | 3.21% | 3.16% | 3.18% | 3.26% | 3.33% | +11 bps | |
| Efficiency Ratio | 70.11% | 71.14% | 71.28% | 78.94% | 74.34% | +423 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.82% | 12.31% | 12.20% | 10.84% | 7.63% | -119 bps | |
| Loan Growth (YoY) | 14.09% | 13.73% | 11.39% | 9.79% | 12.25% | -183 bps | |
| Share Growth (YoY) | 9.69% | 13.45% | 12.93% | 10.71% | 7.89% | -180 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.31% | 0.32% | 0.30% | 0.24% | 0.30% | -2 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 | 11.59% | 11.50% | 11.45% | 11.38% | 11.56% | -3 bps | |
| Net Worth / Assets | 11.59% | 11.50% | 11.45% | 11.38% | 11.56% | -3 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.62% | 94.46% | 93.43% | 92.81% | 99.48% | +387 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cincinnati, OH · Charter 21930 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 10 branches
Q2 2026
Return on Assets
0.84%
Rank 11 of 26
Net Interest Margin
3.33%
Rank 19 of 26
Efficiency Ratio
74.34%
Rank 9 of 26
Equity / Assets
11.56%
Rank 15 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.41% | 0.79% | 1.34% | Beats 58% | 11 / 26 | |
| Return on Equity | 7.23% | 3.53% | 6.04% | 8.49% | Beats 62% | 10 / 26 | |
| Net Interest Margin | 3.33% | 3.25% | 4.11% | 4.64% | Beats 27% | 19 / 26 | |
| Efficiency Ratio | 74.34% | 71.52% | 75.99% | 84.12% | Beats 69% | 9 / 26 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.30% | 0.40% | 1.09% | 2.09% | Beats 81% | 6 / 26 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.56% | 10.31% | 12.73% | 15.29% | Beats 42% | 15 / 26 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.56% | 10.31% | 12.73% | 15.29% | Beats 42% | 15 / 26 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.48% | 51.92% | 65.22% | 76.21% | 96th pctl | 1 / 26 | |
| Loans / Assets | 83.38% | 44.32% | 54.77% | 68.75% | 96th pctl | 1 / 26 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||