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 | |