Chillicothe, OH · Charter 5741
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.53% | 0.75% | 0.84% | 0.78% | 0.71% | 0.76% | 0.74% | -10 bps | |
| Return on Equity | 3.81% | 3.80% | 5.55% | 6.08% | 5.57% | 5.07% | 5.38% | 5.33% | -75 bps | |
| Net Interest Margin | 2.48% | 2.52% | 2.73% | 2.86% | 2.90% | 2.90% | 3.09% | 3.05% | +19 bps | |
| Efficiency Ratio | 83.86% | 84.02% | 73.72% | 74.73% | 74.38% | 76.38% | 66.87% | 69.46% | -527 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.24% | 1.53% | 6.62% | 3.56% | 5.13% | 5.02% | 0.70% | 3.81% | +25 bps | |
| Loan Growth (YoY) | 2.78% | 0.87% | -0.82% | -2.17% | -2.03% | -1.80% | -1.75% | -0.24% | +193 bps | |
| Share Growth (YoY) | -0.72% | 0.50% | 6.85% | 3.49% | 5.41% | 5.87% | 0.34% | 3.82% | +32 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.30% | 0.37% | 0.34% | 0.42% | 0.76% | 0.53% | 0.27% | -7 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.95% | 13.93% | 13.49% | 13.78% | 13.92% | 13.91% | 14.05% | 13.88% | +10 bps | |
| Net Worth / Assets | 13.95% | 13.93% | 13.49% | 13.78% | 13.92% | 13.91% | 14.05% | 13.88% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.31% | 52.56% | 48.55% | 49.14% | 49.55% | 48.75% | 47.54% | 47.22% | -192 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |