Findlay, OH · Charter 2815
NCUA · 2 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
9
Asset Quality
54
Profitability
38
Liquidity
50
Efficiency
19
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.
Findlay, OH · Charter 2815
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.15% | 0.13% | 0.41% | 0.39% | +26 bps | |
| Return on Equity | 1.41% | 1.64% | 1.46% | 4.68% | 4.41% | +300 bps | |
| Net Interest Margin | 3.82% | 3.82% | 3.83% | 3.74% | 3.78% | -3 bps | |
| Efficiency Ratio | 91.68% | 91.22% | 91.89% | 89.02% | 89.18% | -250 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.76% | 4.73% | 5.98% | 5.70% | 7.03% | +326 bps | |
| Loan Growth (YoY) | 0.30% | -0.05% | 4.06% | 3.92% | 4.88% | +458 bps | |
| Share Growth (YoY) | 3.55% | 4.33% | 6.18% | 5.48% | 6.48% | +293 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 1.28% | 0.54% | 0.48% | 0.58% | +22 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.16% | 9.06% | 8.92% | 8.73% | 8.79% | -37 bps | |
| Net Worth / Assets | 9.16% | 9.06% | 8.92% | 8.73% | 8.79% | -37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.00% | 81.11% | 80.82% | 78.59% | 80.77% | -123 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Findlay, OH · Charter 2815 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.39%
Rank 1,233 of 1,683
Net Interest Margin
3.78%
Rank 874 of 1,683
Efficiency Ratio
89.20%
Rank 1,357 of 1,682
Equity / Assets
8.79%
Rank 1,531 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.35% | 0.74% | 1.18% | Beats 27% | 1,233 / 1,683 | |
| Return on Equity | 4.40% | 2.67% | 5.89% | 8.74% | Beats 38% | 1,034 / 1,681 | |
| Net Interest Margin | 3.78% | 3.31% | 3.82% | 4.32% | Beats 48% | 874 / 1,683 | |
| Efficiency Ratio | 89.20% | 68.91% | 78.20% | 86.93% | Beats 19% | 1,357 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.58% | 0.26% | 0.65% | 1.29% | Beats 54% | 767 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.79% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,531 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.79% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,531 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.77% | 52.61% | 69.38% | 83.50% | 71st pctl | 492 / 1,683 | |
| Loans / Assets | 72.13% | 44.71% | 59.18% | 70.72% | 78th pctl | 373 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||