Ney, OH · Charter 5524
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
10
Asset Quality
100
Profitability
37
Liquidity
33
Efficiency
98
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Ney, OH · Charter 5524
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.32% | 1.00% | 0.70% | 0.76% | 0.96% | 3.44% | 0.66% | -4 bps | |
| Return on Equity | 2.36% | 3.54% | 11.02% | 8.07% | 8.83% | 10.61% | 38.21% | 7.39% | -69 bps | |
| Net Interest Margin | 1.35% | 1.38% | 1.86% | 1.41% | 1.48% | 1.71% | 4.20% | 1.96% | +55 bps | |
| Efficiency Ratio | 73.83% | 65.67% | 46.33% | 64.17% | 57.06% | 48.04% | 18.72% | 44.04% | -2,013 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.10% | 12.72% | 16.73% | 24.00% | 26.30% | 13.45% | 13.65% | 8.23% | -1,577 bps | |
| Loan Growth (YoY) | 18.97% | 14.15% | 9.04% | -2.39% | -1.72% | -4.65% | 4.82% | 16.11% | +1,850 bps | |
| Share Growth (YoY) | 1.96% | 13.72% | 18.20% | 25.78% | 28.39% | 13.61% | 13.86% | 7.95% | -1,783 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.08% | 0.08% | 0.00% | 0.00% | 0.00% | 0.24% | 0.00% | 0 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 | 2.33% | 2.50% | 2.54% | 2.51% | 2.32% | 2.50% | 2.31% | 2.50% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.02% | 9.13% | 9.09% | 8.65% | 8.65% | 9.00% | 9.00% | 8.91% | +26 bps | |
| Net Worth / Assets | 10.02% | 9.13% | 9.09% | 8.65% | 8.65% | 9.00% | 9.00% | 8.91% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.89% | 54.67% | 52.43% | 45.40% | 48.14% | 45.88% | 48.26% | 48.83% | +343 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ney, OH · Charter 5524 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.66%
Rank 936 of 1,683
Net Interest Margin
1.93%
Rank 1,660 of 1,683
Efficiency Ratio
45.71%
Rank 35 of 1,682
Equity / Assets
8.91%
Rank 1,515 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.66% | 0.35% | 0.74% | 1.18% | Beats 44% | 936 / 1,683 | ||
| Return on Equity | 7.43% | 2.67% | 5.89% | 8.74% | Beats 65% | 592 / 1,681 | ||
| Net Interest Margin | 1.93% | 3.31% | 3.82% | 4.32% | Beats 1% | 1,660 / 1,683 | ||
| Efficiency Ratio | 45.71% | 68.91% | 78.20% | 86.93% | Beats 98% | 35 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.91% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,515 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.91% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,515 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 48.83% | 52.61% | 69.38% | 83.50% | 20th pctl | 1,341 / 1,683 | ||
| Loans / Assets | 44.48% | 44.71% | 59.18% | 70.72% | 25th pctl | 1,269 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||