Findlay, OH · Charter 2815
NCUA · 2 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 | 0.33% | 0.29% | 0.11% | 0.13% | 0.15% | 0.13% | 0.41% | 0.39% | +26 bps | |
| Return on Equity | 3.52% | 3.15% | 1.24% | 1.41% | 1.64% | 1.46% | 4.68% | 4.41% | +300 bps | |
| Net Interest Margin | 3.54% | 3.58% | 3.69% | 3.82% | 3.82% | 3.83% | 3.74% | 3.78% | -3 bps | |
| Efficiency Ratio | 86.89% | 86.90% | 93.54% | 91.68% | 91.22% | 91.89% | 89.02% | 89.18% | -250 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.46% | 1.66% | 5.24% | 3.76% | 4.73% | 5.98% | 5.70% | 7.03% | +326 bps | |
| Loan Growth (YoY) | -2.77% | -4.44% | -1.77% | 0.30% | -0.05% | 4.06% | 3.92% | 4.88% | +458 bps | |
| Share Growth (YoY) | 3.02% | 1.23% | 5.28% | 3.55% | 4.33% | 6.18% | 5.48% | 6.48% | +293 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 1.05% | 0.58% | 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 | 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 | 9.35% | 9.34% | 9.04% | 9.16% | 9.06% | 8.92% | 8.73% | 8.79% | -37 bps | |
| Net Worth / Assets | 9.35% | 9.34% | 9.04% | 9.16% | 9.06% | 8.92% | 8.73% | 8.79% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.67% | 82.47% | 79.77% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |