PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hancock

Findlay, OH · Charter 2815

NCUA · 2 branches

Q2 2026

$118.4MAssets
$85.4MLoans
$105.8MShares
$10.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.39%, up 26 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.58% of loans (+22 bps YoY).
  • Capital: net worth / assets of 8.79%, down 37 bps from a year ago.
  • Funding: loans stand at 80.77% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.39%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.78%-3 bps YoY

Efficiency Ratio (YTD, annualized)

89.18%-250 bps YoY

Net Worth / Assets

8.79%-37 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.13%0.15%0.13%0.41%0.39%+26 bps
Return on Equity1.41%1.64%1.46%4.68%4.41%+300 bps
Net Interest Margin3.82%3.82%3.83%3.74%3.78%-3 bps
Efficiency Ratio91.68%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 / Loans0.35%1.28%0.54%0.48%0.58%+22 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.16%9.06%8.92%8.73%8.79%-37 bps
Net Worth / Assets9.16%9.06%8.92%8.73%8.79%-37 bps
Liquidity & Funding
Loans / Shares82.00%81.11%80.82%78.59%80.77%-123 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps