Cleves, OH · Charter 24530
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
62
Asset Quality
58
Profitability
58
Liquidity
0
Efficiency
23
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.
Cleves, OH · Charter 24530
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 | 1.92% | 1.83% | 1.22% | 1.19% | 1.10% | 1.15% | 0.41% | 0.81% | -38 bps | |
| Return on Equity | 15.31% | 14.15% | 9.27% | 8.80% | 7.73% | 7.85% | 2.92% | 5.92% | -287 bps | |
| Net Interest Margin | 5.89% | 5.80% | 5.14% | 5.22% | 5.28% | 5.23% | 4.62% | 4.63% | -59 bps | |
| Efficiency Ratio | 72.49% | 73.45% | 80.46% | 81.23% | 82.96% | 84.81% | 92.83% | 85.70% | +446 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.32% | -5.74% | -3.36% | -8.83% | -5.32% | -5.91% | -2.00% | 3.00% | +1,183 bps | |
| Loan Growth (YoY) | -7.13% | -5.41% | -7.47% | -10.47% | -9.33% | -1.17% | 5.82% | 5.29% | +1,576 bps | |
| Share Growth (YoY) | -8.01% | -7.65% | -5.52% | -8.90% | -7.03% | -8.06% | -3.12% | 1.86% | +1,076 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 1.28% | 0.51% | 0.80% | 0.28% | 0.80% | 0.39% | 0.71% | -9 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 | 12.54% | 12.96% | 13.21% | 13.53% | 14.16% | 14.59% | 14.05% | 13.74% | +21 bps | |
| Net Worth / Assets | 12.54% | 12.96% | 13.21% | 13.53% | 14.16% | 14.59% | 14.05% | 13.74% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.44% | 40.07% | 38.24% | 38.56% | 38.46% | 43.07% | 41.77% | 39.87% | +130 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cleves, OH · Charter 24530 · 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
0.82%
Rank 12 of 26
Net Interest Margin
4.64%
Rank 7 of 26
Efficiency Ratio
85.61%
Rank 21 of 26
Equity / Assets
13.75%
Rank 10 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.82% | 0.41% | 0.79% | 1.34% | Beats 54% | 12 / 26 | ||
| Return on Equity | 5.96% | 3.53% | 6.04% | 8.49% | Beats 46% | 14 / 26 | ||
| Net Interest Margin | 4.64% | 3.25% | 4.11% | 4.64% | Beats 73% | 7 / 26 | ||
| Efficiency Ratio | 85.61% | 71.52% | 75.99% | 84.12% | Beats 23% | 21 / 26 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.70% | 0.40% | 1.09% | 2.09% | Beats 58% | 12 / 26 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.75% | 10.31% | 12.73% | 15.29% | Beats 62% | 10 / 26 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.75% | 10.31% | 12.73% | 15.29% | Beats 62% | 10 / 26 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 39.87% | 51.92% | 65.22% | 76.21% | 4th pctl | 25 / 26 | ||
| Loans / Assets | 33.97% | 44.32% | 54.77% | 68.75% | 4th pctl | 25 / 26 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||