Dublin, OH · Charter 24725
NCUA · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
22
Asset Quality
39
Profitability
19
Liquidity
85
Efficiency
6
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.
Dublin, OH · Charter 24725
NCUA · 5 branches
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 | 0.32% | 0.15% | 0.72% | 0.38% | 0.29% | 0.23% | -0.10% | 0.03% | -35 bps | |
| Return on Equity | 3.38% | 1.55% | 7.57% | 4.00% | 3.01% | 2.35% | -0.99% | 0.31% | -369 bps | |
| Net Interest Margin | 3.65% | 3.72% | 3.61% | 3.66% | 3.81% | 3.78% | 3.51% | 3.65% | -1 bps | |
| Efficiency Ratio | 89.49% | 93.01% | 98.97% | 97.08% | 98.25% | 98.26% | 102.11% | 99.11% | +203 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.31% | 0.70% | 0.48% | -0.03% | -2.14% | -0.86% | -0.64% | -1.07% | -104 bps | |
| Loan Growth (YoY) | -6.63% | -7.27% | -5.10% | -3.68% | -4.62% | -1.64% | 0.89% | 3.84% | +751 bps | |
| Share Growth (YoY) | 2.31% | 0.76% | 0.11% | -0.38% | -2.85% | -1.76% | -1.27% | -1.46% | -107 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.44% | 0.65% | 0.49% | 0.21% | 0.41% | 0.64% | 0.72% | +23 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 | 9.47% | 9.48% | 9.50% | 9.51% | 9.80% | 9.79% | 9.58% | 9.66% | +15 bps | |
| Net Worth / Assets | 9.47% | 9.48% | 9.50% | 9.51% | 9.80% | 9.79% | 9.58% | 9.66% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.15% | 59.79% | 58.18% | 58.32% | 59.05% | 59.87% | 59.45% | 61.45% | +313 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Dublin, OH · Charter 24725 · Peer group: credit unions under $1B in assets in the Columbus, OH area (n=18)
NCUA · 5 branches
Q2 2026
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.03% | 0.59% | 0.76% | 0.99% | Beats 0% | 18 / 18 | ||
| Return on Equity | 0.31% | 4.13% | 7.59% | 9.05% | Beats 0% | 18 / 18 | ||
| Net Interest Margin | 3.65% | 3.24% | 3.56% | 3.79% | Beats 56% | 8 / 18 | ||
| Efficiency Ratio | 99.11% | 72.20% | 76.10% | 84.19% | Beats 6% | 18 / 18 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.72% | 0.37% | 0.66% | 1.08% | Beats 39% | 12 / 18 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.66% | 9.66% | 10.67% | 11.63% | Beats 22% | 14 / 18 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.66% | 9.66% | 10.67% | 11.63% | Beats 22% | 14 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.45% | 47.40% | 66.89% | 76.69% | 39th pctl | 11 / 18 | ||
| Loans / Assets | 55.67% | 43.35% | 60.60% | 69.11% | 39th pctl | 11 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||