PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ohio Healthcare

Dublin, OH · Charter 24725

NCUA · 5 branches

Q2 2026

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

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.

Return on Assets (quarter, annualized)

0.03%-35 bps YoY

Net Interest Margin (quarter, annualized)

3.65%-1 bps YoY

Efficiency Ratio (quarter, annualized)

99.11%+203 bps YoY

Net Worth / Assets

9.66%+15 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.15%0.72%0.38%0.29%0.23%-0.10%0.03%-35 bps
Return on Equity3.38%1.55%7.57%4.00%3.01%2.35%-0.99%0.31%-369 bps
Net Interest Margin3.65%3.72%3.61%3.66%3.81%3.78%3.51%3.65%-1 bps
Efficiency Ratio89.49%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 / Loans0.63%0.44%0.65%0.49%0.21%0.41%0.64%0.72%+23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.47%9.48%9.50%9.51%9.80%9.79%9.58%9.66%+15 bps
Net Worth / Assets9.47%9.48%9.50%9.51%9.80%9.79%9.58%9.66%+15 bps
Liquidity & Funding
Loans / Shares60.15%59.79%58.18%58.32%59.05%59.87%59.45%61.45%+313 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps