PackageTrendsPeer
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Chivaho

Chillicothe, OH · Charter 5741

NCUA · 2 branches

Q2 2026

$37.7MAssets
$15.3MLoans
$32.4MShares
$5.2MNet 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 0.74%, down 10 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.27% of loans (-7 bps YoY).
  • Capital: net worth / assets of 13.88%, up 10 bps from a year ago.
  • Funding: loans stand at 47.22% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.74%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.05%+19 bps YoY

Efficiency Ratio (YTD, annualized)

69.46%-527 bps YoY

Net Worth / Assets

13.88%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.78%0.71%0.76%0.74%-10 bps
Return on Equity6.08%5.57%5.07%5.38%5.33%-75 bps
Net Interest Margin2.86%2.90%2.90%3.09%3.05%+19 bps
Efficiency Ratio74.73%74.38%76.38%66.87%69.46%-527 bps
Growth
Asset Growth (YoY)3.56%5.13%5.02%0.70%3.81%+25 bps
Loan Growth (YoY)-2.17%-2.03%-1.80%-1.75%-0.24%+193 bps
Share Growth (YoY)3.49%5.41%5.87%0.34%3.82%+32 bps
Asset Quality
Delinquent Loans / Loans0.34%0.42%0.76%0.53%0.27%-7 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 Capital13.78%13.92%13.91%14.05%13.88%+10 bps
Net Worth / Assets13.78%13.92%13.91%14.05%13.88%+10 bps
Liquidity & Funding
Loans / Shares49.14%49.55%48.75%47.54%47.22%-192 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps