PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Integrity

Barberton, OH · Charter 475

NCUA · 1 branch

Q2 2026

$73.4MAssets
$42.9MLoans
$66.1MShares
$7.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.26%, down 16 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.42% of loans (+8 bps YoY).
  • Capital: net worth / assets of 9.75%, up 62 bps from a year ago.
  • Funding: loans stand at 64.95% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.26%-16 bps YoY

Net Interest Margin (YTD, annualized)

3.42%-10 bps YoY

Efficiency Ratio (YTD, annualized)

69.76%+514 bps YoY

Net Worth / Assets

9.75%+62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.39%1.21%1.67%1.26%-16 bps
Return on Equity15.57%15.17%13.18%17.42%12.95%-262 bps
Net Interest Margin3.51%3.41%3.41%3.40%3.42%-10 bps
Efficiency Ratio64.62%62.64%67.39%62.82%69.76%+514 bps
Growth
Asset Growth (YoY)5.86%10.57%9.70%6.25%5.99%+13 bps
Loan Growth (YoY)9.71%2.10%2.49%4.31%9.51%-21 bps
Share Growth (YoY)5.13%10.23%9.02%5.23%5.03%-10 bps
Asset Quality
Delinquent Loans / Loans0.34%0.30%0.16%0.22%0.42%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.13%9.19%9.16%9.58%9.75%+62 bps
Net Worth / Assets9.13%9.19%9.16%9.58%9.75%+62 bps
Liquidity & Funding
Loans / Shares62.29%59.19%59.99%62.18%64.95%+265 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps