PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ohio Valley

Batavia, OH · Charter 22688

NCUA · 1 branch

Q2 2026

$25.7MAssets
$10.0MLoans
$23.1MShares
$2.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.78%, up 17 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 1.57% of loans (-18 bps YoY).
  • Capital: net worth / assets of 9.64%, up 114 bps from a year ago.
  • Funding: loans stand at 43.08% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.78%+17 bps YoY

Net Interest Margin (quarter, annualized)

4.11%+52 bps YoY

Efficiency Ratio (quarter, annualized)

75.20%-691 bps YoY

Net Worth / Assets

9.64%+114 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.66%0.72%0.72%0.78%+17 bps
Return on Equity7.19%7.42%7.87%7.70%8.12%+93 bps
Net Interest Margin3.59%3.71%3.75%3.99%4.11%+52 bps
Efficiency Ratio82.11%81.15%79.14%76.93%75.20%-691 bps
Growth
Asset Growth (YoY)-1.58%-3.94%-4.37%-8.93%-3.86%-228 bps
Loan Growth (YoY)-12.35%-12.26%-8.03%-4.85%3.49%+1,584 bps
Share Growth (YoY)-2.02%-4.69%-5.53%-9.51%-4.70%-268 bps
Asset Quality
Delinquent Loans / Loans1.75%1.68%1.51%1.51%1.57%-18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.50%8.90%9.12%9.39%9.64%+114 bps
Net Worth / Assets8.50%8.90%9.12%9.39%9.64%+114 bps
Liquidity & Funding
Loans / Shares39.67%41.05%41.82%41.49%43.08%+341 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps