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 | |