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 | |