Ohio Valley
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
$25.7MAssets
$10.0MLoans
$23.1MShares
$2.5MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 69% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 8 of 26).
- Widest gap: equity / assets trails 92% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 24 of 26).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 | 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 |