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St. Josephs Canton Parish

Canton, OH · Charter 4884

NCUA · 3 branches

Q2 2026

$65.1MAssets
$22.3MLoans
$57.5MShares
$7.3MNet Worth

Executive Summary

  • Earnings: ROA of 1.06%, down 7 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.36% of loans (+18 bps YoY).
  • Capital: net worth / assets of 11.27%, up 91 bps from a year ago.
  • Funding: loans stand at 38.69% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.06%-7 bps YoY

Net Interest Margin (quarter, annualized)

3.67%+6 bps YoY

Efficiency Ratio (quarter, annualized)

75.17%+112 bps YoY

Net Worth / Assets

11.27%+91 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.01%0.77%1.13%1.15%1.10%0.87%1.06%-7 bps
Return on Equity10.22%10.24%7.69%10.86%10.46%9.77%7.78%9.40%-145 bps
Net Interest Margin3.23%3.22%3.50%3.61%3.74%3.67%3.58%3.67%+6 bps
Efficiency Ratio72.20%72.18%80.06%74.05%74.55%74.94%79.42%75.17%+112 bps
Growth
Asset Growth (YoY)-0.50%1.97%1.04%2.60%0.30%-2.57%-1.50%1.15%-145 bps
Loan Growth (YoY)-3.02%-2.07%4.96%4.82%3.80%-0.43%-4.79%-5.69%-1,051 bps
Share Growth (YoY)-1.38%1.36%0.34%2.00%-0.97%-4.08%-2.88%0.06%-194 bps
Asset Quality
Delinquent Loans / Loans0.11%0.23%0.08%0.18%0.22%0.25%0.21%0.36%+18 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 Capital9.85%9.90%9.96%10.37%10.96%11.27%11.21%11.27%+91 bps
Net Worth / Assets9.85%9.90%9.96%10.37%10.96%11.27%11.21%11.27%+91 bps
Liquidity & Funding
Loans / Shares40.33%39.80%40.52%41.05%42.27%41.31%39.72%38.69%-236 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps