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Ohio Healthcare

Dublin, OH · Charter 24725

NCUA · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Columbus, OH area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Columbus, OH area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

22

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

6

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Ohio Healthcare

Dublin, OH · Charter 24725

NCUA · 5 branches

Q2 2026

$108.2MAssets
$60.3MLoans
$98.0MShares
$10.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.03%, down 35 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 0.72% of loans (+23 bps YoY).
  • Capital: net worth / assets of 9.66%, up 15 bps from a year ago.
  • Funding: loans stand at 61.45% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.03%-35 bps YoY

Net Interest Margin (YTD, annualized)

3.65%-1 bps YoY

Efficiency Ratio (YTD, annualized)

99.11%+203 bps YoY

Net Worth / Assets

9.66%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.29%0.23%-0.10%0.03%-35 bps
Return on Equity4.00%3.01%2.35%-0.99%0.31%-369 bps
Net Interest Margin3.66%3.81%3.78%3.51%3.65%-1 bps
Efficiency Ratio97.08%98.25%98.26%102.11%99.11%+203 bps
Growth
Asset Growth (YoY)-0.03%-2.14%-0.86%-0.64%-1.07%-104 bps
Loan Growth (YoY)-3.68%-4.62%-1.64%0.89%3.84%+751 bps
Share Growth (YoY)-0.38%-2.85%-1.76%-1.27%-1.46%-107 bps
Asset Quality
Delinquent Loans / Loans0.49%0.21%0.41%0.64%0.72%+23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.51%9.80%9.79%9.58%9.66%+15 bps
Net Worth / Assets9.51%9.80%9.79%9.58%9.66%+15 bps
Liquidity & Funding
Loans / Shares58.32%59.05%59.87%59.45%61.45%+313 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Ohio Healthcare

Dublin, OH · Charter 24725 · Peer group: credit unions under $1B in assets in the Columbus, OH area (n=18)

NCUA · 5 branches

Q2 2026

$108.2MAssets
$60.3MLoans
$98.0MShares
$10.5MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 56% of credit unions under $1B in assets in the Columbus, OH area (rank 8 of 18).
  • Widest gap: return on equity trails 100% of credit unions under $1B in assets in the Columbus, OH area (rank 18 of 18).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.03%

Rank 18 of 18

Net Interest Margin

3.65%

Rank 8 of 18

Efficiency Ratio

99.11%

Rank 18 of 18

Equity / Assets

9.66%

Rank 14 of 18

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.03%0.59%0.76%0.99%Beats 0%18 / 18
Return on Equity0.31%4.13%7.59%9.05%Beats 0%18 / 18
Net Interest Margin3.65%3.24%3.56%3.79%Beats 56%8 / 18
Efficiency Ratio99.11%72.20%76.10%84.19%Beats 6%18 / 18
Asset Quality
Nonperforming Loans / Loans0.72%0.37%0.66%1.08%Beats 39%12 / 18
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.66%9.66%10.67%11.63%Beats 22%14 / 18
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.66%9.66%10.67%11.63%Beats 22%14 / 18
Liquidity & Funding
Loans / Deposits61.45%47.40%66.89%76.69%39th pctl11 / 18
Loans / Assets55.67%43.35%60.60%69.11%39th pctl11 / 18
Brokered Deposits / Depositsn/aNot reported for this institution