Cleves, OH · Charter 24530
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.19% | 1.10% | 1.15% | 0.41% | 0.81% | -38 bps | |
| Return on Equity | 8.80% | 7.73% | 7.85% | 2.92% | 5.92% | -287 bps | |
| Net Interest Margin | 5.22% | 5.28% | 5.23% | 4.62% | 4.63% | -59 bps | |
| Efficiency Ratio | 81.23% | 82.96% | 84.81% | 92.83% | 85.70% | +446 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.83% | -5.32% | -5.91% | -2.00% | 3.00% | +1,183 bps | |
| Loan Growth (YoY) | -10.47% | -9.33% | -1.17% | 5.82% | 5.29% | +1,576 bps | |
| Share Growth (YoY) | -8.90% | -7.03% | -8.06% | -3.12% | 1.86% | +1,076 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.53% | 14.16% | 14.59% | 14.05% | 13.74% | +21 bps | |
| Net Worth / Assets | 13.53% | 14.16% | 14.59% | 14.05% | 13.74% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |