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 | |