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 | |