Batavia, OH · Charter 22688
NCUA · 1 branch
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
8
Asset Quality
38
Profitability
54
Liquidity
0
Efficiency
62
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.
Batavia, OH · Charter 22688
NCUA · 1 branch
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 | -0.05% | 0.10% | 0.48% | 0.61% | 0.66% | 0.72% | 0.72% | 0.78% | +17 bps | |
| Return on Equity | -0.62% | 1.29% | 6.16% | 7.19% | 7.42% | 7.87% | 7.70% | 8.12% | +93 bps | |
| Net Interest Margin | 3.08% | 3.15% | 3.30% | 3.59% | 3.71% | 3.75% | 3.99% | 4.11% | +52 bps | |
| Efficiency Ratio | 99.51% | 95.64% | 83.86% | 82.11% | 81.15% | 79.14% | 76.93% | 75.20% | -691 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.61% | -2.01% | 4.94% | -1.58% | -3.94% | -4.37% | -8.93% | -3.86% | -228 bps | |
| Loan Growth (YoY) | -11.62% | -11.30% | -10.04% | -12.35% | -12.26% | -8.03% | -4.85% | 3.49% | +1,584 bps | |
| Share Growth (YoY) | -4.39% | -2.54% | 4.36% | -2.02% | -4.69% | -5.53% | -9.51% | -4.70% | -268 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.33% | 0.40% | 1.75% | 1.68% | 1.51% | 1.51% | 1.57% | -18 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.93% | 8.04% | 7.85% | 8.50% | 8.90% | 9.12% | 9.39% | 9.64% | +114 bps | |
| Net Worth / Assets | 7.93% | 8.04% | 7.85% | 8.50% | 8.90% | 9.12% | 9.39% | 9.64% | +114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.59% | 42.96% | 39.46% | 39.67% | 41.05% | 41.82% | 41.49% | 43.08% | +341 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Batavia, OH · Charter 22688 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 1 branch
Q2 2026
Return on Assets
0.78%
Rank 15 of 26
Net Interest Margin
4.11%
Rank 13 of 26
Efficiency Ratio
75.16%
Rank 11 of 26
Equity / Assets
9.64%
Rank 24 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.78% | 0.41% | 0.79% | 1.34% | Beats 42% | 15 / 26 | ||
| Return on Equity | 8.09% | 3.53% | 6.04% | 8.49% | Beats 69% | 8 / 26 | ||
| Net Interest Margin | 4.11% | 3.25% | 4.11% | 4.64% | Beats 50% | 13 / 26 | ||
| Efficiency Ratio | 75.16% | 71.52% | 75.99% | 84.12% | Beats 62% | 11 / 26 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.57% | 0.40% | 1.09% | 2.09% | Beats 38% | 17 / 26 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.64% | 10.31% | 12.73% | 15.29% | Beats 8% | 24 / 26 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.64% | 10.31% | 12.73% | 15.29% | Beats 8% | 24 / 26 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.08% | 51.92% | 65.22% | 76.21% | 8th pctl | 24 / 26 | ||
| Loans / Assets | 38.82% | 44.32% | 54.77% | 68.75% | 12th pctl | 23 / 26 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||