PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ohio Valley Community

Clarington, OH · Charter 24909

NCUA · 5 branches

Q2 2026

$243.6MAssets
$170.3MLoans
$210.3MShares
$32.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.36%, up 29 bps year over year; NIM at 4.29%.
  • Asset quality: problem loans at 1.59% of loans (-92 bps YoY).
  • Capital: net worth / assets of 13.39%, up 102 bps from a year ago.
  • Funding: loans stand at 81.01% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.36%+29 bps YoY

Net Interest Margin (quarter, annualized)

4.29%+26 bps YoY

Efficiency Ratio (quarter, annualized)

65.38%+89 bps YoY

Net Worth / Assets

13.39%+102 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.49%1.06%1.08%1.18%1.26%1.34%1.36%+29 bps
Return on Equity11.33%12.16%8.61%8.69%9.27%9.81%10.29%10.16%+147 bps
Net Interest Margin4.20%4.03%3.79%4.03%4.13%4.13%4.28%4.29%+26 bps
Efficiency Ratio64.24%60.78%70.11%64.49%63.22%63.37%66.89%65.38%+89 bps
Growth
Asset Growth (YoY)5.02%9.68%8.68%8.00%4.96%3.48%1.95%2.54%-546 bps
Loan Growth (YoY)4.74%-4.74%1.29%0.27%1.26%13.37%7.64%7.00%+673 bps
Share Growth (YoY)3.91%8.39%7.10%6.95%3.54%2.52%1.61%2.30%-465 bps
Asset Quality
Delinquent Loans / Loans2.53%4.00%2.38%2.51%1.87%1.43%0.93%1.59%-92 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 Capital12.26%12.28%12.26%12.37%12.74%12.83%13.06%13.39%+102 bps
Net Worth / Assets12.26%12.28%12.26%12.37%12.74%12.83%13.06%13.39%+102 bps
Liquidity & Funding
Loans / Shares81.29%71.84%74.09%77.45%79.50%79.44%78.49%81.01%+356 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps