Rittman, OH · Charter 4369
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.27% | 1.31% | 1.19% | 1.11% | 0.83% | -44 bps | |
| Return on Equity | 12.01% | 12.07% | 11.49% | 10.51% | 7.76% | -426 bps | |
| Net Interest Margin | 4.40% | 4.39% | 4.13% | 4.14% | 4.23% | -16 bps | |
| Efficiency Ratio | 70.73% | 69.89% | 72.06% | 74.40% | 76.13% | +540 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.97% | 1.97% | 8.99% | 7.63% | 9.37% | +1,134 bps | |
| Loan Growth (YoY) | -2.22% | 0.86% | 1.37% | -1.60% | 1.54% | +376 bps | |
| Share Growth (YoY) | -3.54% | 0.80% | 8.50% | 7.12% | 9.26% | +1,280 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.76% | 0.73% | 0.75% | 1.09% | 1.01% | +25 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.59% | 10.85% | 10.33% | 10.58% | 10.67% | +9 bps | |
| Net Worth / Assets | 10.59% | 10.85% | 10.33% | 10.58% | 10.67% | +9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.07% | 57.61% | 52.50% | 50.91% | 53.04% | -403 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |