Emery
Cincinnati, OH · Charter 3360 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=28)
NCUA · 3 branches
Q3 2025
$196.5MAssets
$143.3MLoans
$176.9MShares
$17.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 68% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 10 of 28).
- Widest gap: equity / assets trails 96% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 27 of 28).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.16%
Rank 25 of 28
Net Interest Margin
2.90%
Rank 25 of 28
Efficiency Ratio
83.58%
Rank 21 of 28
Equity / Assets
8.88%
Rank 27 of 28
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.16% | 0.48% | 1.08% | 1.65% | Beats 11% | 25 / 28 | | |
| Return on Equity | 1.75% | 3.75% | 8.27% | 11.12% | Beats 14% | 24 / 28 | | |
| Net Interest Margin | 2.90% | 3.28% | 3.95% | 4.83% | Beats 11% | 25 / 28 | | |
| Efficiency Ratio | 83.58% | 68.91% | 77.04% | 85.29% | Beats 29% | 21 / 28 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.31% | 0.60% | 1.57% | Beats 68% | 10 / 28 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.88% | 10.32% | 12.80% | 15.60% | Beats 4% | 27 / 28 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.88% | 10.32% | 12.80% | 15.60% | Beats 4% | 27 / 28 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.02% | 55.73% | 65.07% | 79.68% | 79th pctl | 6 / 28 | | |
| Loans / Assets | 72.94% | 49.39% | 57.14% | 71.21% | 82nd pctl | 5 / 28 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |