Presidents
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
$15.1MAssets
$5.1MLoans
$12.9MShares
$2.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 73% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 7 of 26).
- Widest gap: efficiency ratio trails 77% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 21 of 26).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 |