Belpre, OH · Charter 24904
NCUA · 4 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
21
Profitability
50
Liquidity
96
Efficiency
27
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.
Belpre, OH · Charter 24904
NCUA · 4 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 | 0.55% | 0.47% | 1.14% | 0.84% | 0.75% | 0.19% | 1.06% | 0.81% | -3 bps | |
| Return on Equity | 6.32% | 5.70% | 13.50% | 9.17% | 8.09% | 2.16% | 12.04% | 8.90% | -27 bps | |
| Net Interest Margin | 3.19% | 3.08% | 2.99% | 2.96% | 2.97% | 3.05% | 3.01% | 3.17% | +21 bps | |
| Efficiency Ratio | 87.79% | 90.06% | 80.69% | 83.70% | 84.24% | 93.22% | 90.28% | 85.99% | +229 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.66% | 2.20% | 4.89% | 12.77% | 9.35% | 4.59% | 5.69% | -1.54% | -1,431 bps | |
| Loan Growth (YoY) | -7.03% | -7.62% | -8.33% | -5.66% | -2.12% | 0.48% | 2.94% | -1.85% | +381 bps | |
| Share Growth (YoY) | 3.12% | 3.70% | 12.21% | 20.68% | 15.68% | 14.63% | 10.14% | 2.92% | -1,775 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.84% | 2.26% | 0.86% | 0.83% | 0.87% | 0.90% | 1.69% | 1.54% | +71 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 | 8.75% | 8.27% | 8.47% | 9.16% | 9.23% | 8.72% | 8.81% | 9.07% | -8 bps | |
| Net Worth / Assets | 8.75% | 8.27% | 8.47% | 9.16% | 9.23% | 8.72% | 8.81% | 9.07% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.65% | 83.13% | 76.36% | 73.68% | 74.16% | 72.88% | 71.37% | 70.26% | -342 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Belpre, OH · Charter 24904 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.81%
Rank 777 of 1,683
Net Interest Margin
3.17%
Rank 1,350 of 1,683
Efficiency Ratio
85.99%
Rank 1,222 of 1,682
Equity / Assets
9.07%
Rank 1,498 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.81% | 0.35% | 0.74% | 1.18% | Beats 54% | 777 / 1,683 | ||
| Return on Equity | 8.90% | 2.67% | 5.89% | 8.74% | Beats 76% | 404 / 1,681 | ||
| Net Interest Margin | 3.17% | 3.31% | 3.82% | 4.32% | Beats 20% | 1,350 / 1,683 | ||
| Efficiency Ratio | 85.99% | 68.91% | 78.20% | 86.93% | Beats 27% | 1,222 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.54% | 0.26% | 0.65% | 1.29% | Beats 21% | 1,337 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.07% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,498 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.07% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,498 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.26% | 52.61% | 69.38% | 83.50% | 51st pctl | 820 / 1,683 | ||
| Loans / Assets | 62.64% | 44.71% | 59.18% | 70.72% | 58th pctl | 712 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||