Cincinnati, OH · Charter 24373
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 | 1.48% | 1.55% | 1.33% | 1.48% | 1.54% | 1.18% | 1.04% | 1.35% | -13 bps | |
| Return on Equity | 9.37% | 9.56% | 8.13% | 9.34% | 9.60% | 7.36% | 6.54% | 8.51% | -83 bps | |
| Net Interest Margin | 5.47% | 5.57% | 5.64% | 5.36% | 5.36% | 5.40% | 5.31% | 5.32% | -4 bps | |
| Efficiency Ratio | 66.76% | 64.64% | 74.06% | 72.16% | 71.83% | 72.71% | 73.32% | 70.92% | -124 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.67% | -0.80% | 1.72% | 9.27% | 8.19% | 9.12% | 10.70% | 7.31% | -197 bps | |
| Loan Growth (YoY) | -12.43% | -11.59% | -12.14% | -14.02% | -14.00% | -12.67% | -11.52% | -4.02% | +999 bps | |
| Share Growth (YoY) | -3.53% | -2.96% | -0.36% | 8.63% | 7.71% | 9.34% | 11.50% | 7.48% | -115 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.72% | 0.63% | 0.87% | 0.45% | 1.57% | 2.26% | 2.09% | +122 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 | 15.76% | 16.24% | 16.38% | 15.90% | 16.09% | 16.01% | 15.86% | 15.87% | -2 bps | |
| Net Worth / Assets | 15.76% | 16.24% | 16.38% | 15.90% | 16.09% | 16.01% | 15.86% | 15.87% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.89% | 86.42% | 81.76% | 73.31% | 70.98% | 69.02% | 64.87% | 65.46% | -785 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |