PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Christo Rey

Ney, OH · Charter 5524

NCUA · 1 branch

Q2 2026

$3.6MAssets
$1.6MLoans
$3.3MShares
$323KNet 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 0.66%, down 4 bps year over year; NIM at 1.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 8.91%, up 26 bps from a year ago.
  • Funding: loans stand at 48.83% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.66%-4 bps YoY

Net Interest Margin (quarter, annualized)

1.96%+55 bps YoY

Efficiency Ratio (quarter, annualized)

44.04%-2,013 bps YoY

Net Worth / Assets

8.91%+26 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.76%0.96%3.44%0.66%-4 bps
Return on Equity8.07%8.83%10.61%38.21%7.39%-69 bps
Net Interest Margin1.41%1.48%1.71%4.20%1.96%+55 bps
Efficiency Ratio64.17%57.06%48.04%18.72%44.04%-2,013 bps
Growth
Asset Growth (YoY)24.00%26.30%13.45%13.65%8.23%-1,577 bps
Loan Growth (YoY)-2.39%-1.72%-4.65%4.82%16.11%+1,850 bps
Share Growth (YoY)25.78%28.39%13.61%13.86%7.95%-1,783 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.24%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.51%2.32%2.50%2.31%2.50%-1 bps
Capital
Risk-Based Capital8.65%8.65%9.00%9.00%8.91%+26 bps
Net Worth / Assets8.65%8.65%9.00%9.00%8.91%+26 bps
Liquidity & Funding
Loans / Shares45.40%48.14%45.88%48.26%48.83%+343 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps