Holland, OH · Charter 2918
NCUA · 3 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 | -0.52% | -1.15% | -0.42% | -0.60% | 0.03% | -0.22% | -0.68% | -0.47% | +13 bps | |
| Return on Equity | -3.72% | -8.39% | -3.01% | -4.05% | 0.23% | -1.51% | -4.58% | -3.08% | +97 bps | |
| Net Interest Margin | 2.56% | 2.66% | 2.93% | 3.07% | 3.42% | 3.38% | 3.59% | 3.61% | +54 bps | |
| Efficiency Ratio | 98.90% | 106.81% | 93.57% | 97.64% | 87.32% | 89.80% | 99.90% | 100.91% | +328 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.92% | 2.83% | -4.22% | -10.99% | -13.10% | -9.61% | -11.57% | -6.45% | +453 bps | |
| Loan Growth (YoY) | 3.26% | -1.22% | -3.86% | -7.43% | -11.69% | -12.19% | -13.33% | -14.50% | -708 bps | |
| Share Growth (YoY) | 8.88% | 5.81% | -3.70% | -9.20% | -13.38% | -12.73% | -14.70% | -10.01% | -80 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.08% | 4.71% | 3.57% | 4.92% | 5.74% | 4.88% | 1.72% | 3.66% | -126 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 | 14.12% | 13.74% | 13.88% | 14.81% | 15.11% | 14.67% | 14.87% | 15.13% | +32 bps | |
| Net Worth / Assets | 14.12% | 13.74% | 13.88% | 14.81% | 15.11% | 14.67% | 14.87% | 15.13% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.18% | 51.41% | 51.42% | 53.52% | 54.21% | 51.73% | 52.25% | 50.84% | -267 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |