Columbus, OH · Charter 294
NCUA · 6 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.22% | 0.20% | 0.39% | 0.39% | 0.40% | 0.65% | 0.76% | +38 bps | |
| Return on Equity | 3.08% | 2.76% | 2.50% | 4.73% | 4.68% | 4.77% | 7.74% | 8.84% | +411 bps | |
| Net Interest Margin | 3.46% | 3.38% | 3.49% | 3.64% | 3.78% | 3.76% | 3.86% | 3.98% | +33 bps | |
| Efficiency Ratio | 81.57% | 80.68% | 75.26% | 74.65% | 76.77% | 77.23% | 77.88% | 75.52% | +87 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.30% | 4.08% | 7.48% | 5.51% | 3.51% | 2.20% | 1.26% | 1.36% | -415 bps | |
| Loan Growth (YoY) | -8.57% | -10.55% | -9.29% | -5.48% | 0.53% | 6.28% | 5.77% | 6.31% | +1,179 bps | |
| Share Growth (YoY) | 3.86% | 6.66% | 7.46% | 5.35% | 3.33% | 1.51% | 0.62% | 0.55% | -480 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.88% | 0.78% | 0.64% | 0.71% | 0.80% | 0.73% | 0.66% | +3 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 | 8.37% | 8.12% | 7.93% | 8.17% | 8.42% | 8.34% | 8.34% | 8.64% | +48 bps | |
| Net Worth / Assets | 8.37% | 8.12% | 7.93% | 8.17% | 8.42% | 8.34% | 8.34% | 8.64% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.79% | 80.16% | 77.83% | 79.28% | 85.41% | 83.92% | 81.82% | 83.82% | +454 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |