PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Greater Wayne Community

Rittman, OH · Charter 4369

NCUA · 4 branches

Q2 2026

$33.6MAssets
$15.9MLoans
$29.9MShares
$3.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.83%, down 44 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 1.01% of loans (+25 bps YoY).
  • Capital: net worth / assets of 10.67%, up 9 bps from a year ago.
  • Funding: loans stand at 53.04% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.83%-44 bps YoY

Net Interest Margin (YTD, annualized)

4.23%-16 bps YoY

Efficiency Ratio (YTD, annualized)

76.13%+540 bps YoY

Net Worth / Assets

10.67%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.21%1.01%1.52%1.27%1.31%1.19%1.11%0.83%-44 bps
Return on Equity12.10%10.12%14.92%12.01%12.07%11.49%10.51%7.76%-426 bps
Net Interest Margin4.12%4.17%4.31%4.40%4.39%4.13%4.14%4.23%-16 bps
Efficiency Ratio70.97%72.25%67.71%70.73%69.89%72.06%74.40%76.13%+540 bps
Growth
Asset Growth (YoY)2.79%1.67%0.21%-1.97%1.97%8.99%7.63%9.37%+1,134 bps
Loan Growth (YoY)-5.10%-5.44%-4.64%-2.22%0.86%1.37%-1.60%1.54%+376 bps
Share Growth (YoY)1.82%0.47%-1.43%-3.54%0.80%8.50%7.12%9.26%+1,280 bps
Asset Quality
Delinquent Loans / Loans0.40%1.76%0.90%0.76%0.73%0.75%1.09%1.01%+25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.97%9.99%10.22%10.59%10.85%10.33%10.58%10.67%+9 bps
Net Worth / Assets9.97%9.99%10.22%10.59%10.85%10.33%10.58%10.67%+9 bps
Liquidity & Funding
Loans / Shares57.57%56.20%55.42%57.07%57.61%52.50%50.91%53.04%-403 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps