Cincinnati, OH · Charter 3360
NCUA · 3 branches
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.46% | 0.52% | 0.15% | -0.63% | 0.41% | 0.32% | 0.16% | +1 bps | |
| Return on Equity | 3.98% | 4.83% | 5.38% | 1.55% | -7.26% | 4.72% | 3.67% | 1.75% | +20 bps | |
| Net Interest Margin | 2.76% | 2.68% | 2.75% | 2.76% | 2.75% | 2.76% | 2.80% | 2.90% | +14 bps | |
| Efficiency Ratio | 84.52% | 85.56% | 84.49% | 92.42% | 117.08% | 82.28% | 82.97% | 83.58% | -884 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.38% | -0.92% | 0.33% | 1.27% | 2.43% | 1.55% | 3.37% | 0.36% | -92 bps | |
| Loan Growth (YoY) | 4.36% | 1.79% | -1.26% | -2.94% | -4.41% | -3.88% | -3.67% | -4.14% | -120 bps | |
| Share Growth (YoY) | -4.02% | -3.42% | -1.82% | -0.36% | 5.30% | 5.25% | 7.42% | 5.38% | +574 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.26% | 0.39% | 0.27% | 0.34% | 0.85% | 0.55% | 0.36% | +9 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 | 9.59% | 9.47% | 9.74% | 9.54% | 8.72% | 8.69% | 8.71% | 8.88% | -66 bps | |
| Net Worth / Assets | 9.59% | 9.47% | 9.74% | 9.54% | 8.72% | 8.69% | 8.71% | 8.88% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.17% | 90.63% | 90.90% | 89.06% | 85.48% | 82.77% | 81.51% | 81.02% | -805 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |