Amherst, OH · Charter 24637
NCUA · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.40% | 1.38% | 1.53% | 1.55% | 1.58% | 1.55% | 1.72% | 1.50% | -5 bps | |
| Return on Equity | 11.39% | 11.13% | 12.22% | 12.25% | 12.26% | 11.93% | 12.98% | 11.12% | -113 bps | |
| Net Interest Margin | 3.07% | 3.08% | 3.19% | 3.22% | 3.24% | 3.20% | 3.58% | 3.39% | +16 bps | |
| Efficiency Ratio | 64.04% | 64.19% | 61.06% | 60.99% | 60.05% | 59.82% | 58.44% | 62.51% | +151 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.33% | 3.74% | 5.15% | 6.97% | 7.66% | 8.26% | 7.04% | 5.59% | -138 bps | |
| Loan Growth (YoY) | 0.13% | -3.12% | -2.69% | -1.03% | 0.41% | -0.45% | -1.96% | -1.51% | -48 bps | |
| Share Growth (YoY) | 1.26% | 2.64% | 4.02% | 6.09% | 6.76% | 6.78% | 5.79% | 4.42% | -167 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.15% | 0.21% | 0.20% | 0.26% | 0.20% | 0.15% | 0.15% | -4 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 | 12.27% | 12.45% | 12.50% | 12.63% | 12.89% | 13.04% | 13.27% | 13.48% | +85 bps | |
| Net Worth / Assets | 12.27% | 12.45% | 12.50% | 12.63% | 12.89% | 13.04% | 13.27% | 13.48% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.22% | 62.37% | 61.10% | 60.30% | 60.39% | 58.15% | 56.62% | 56.88% | -342 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |