Hamilton, OH · Charter 5845
NCUA · 2 branches
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 in the Cincinnati, OH-KY-IN area (n=26). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
46
Asset Quality
35
Profitability
78
Liquidity
63
Efficiency
85
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.
Hamilton, OH · Charter 5845
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.56% | 1.63% | 1.61% | 1.42% | 1.54% | -2 bps | |
| Return on Equity | 13.20% | 13.37% | 13.51% | 11.57% | 12.50% | -70 bps | |
| Net Interest Margin | 4.41% | 4.45% | 4.25% | 4.09% | 4.12% | -29 bps | |
| Efficiency Ratio | 67.84% | 68.84% | 68.15% | 71.90% | 69.53% | +169 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.40% | 5.05% | 10.74% | 7.41% | 10.20% | +481 bps | |
| Loan Growth (YoY) | -5.03% | -1.60% | -0.92% | 7.29% | 9.32% | +1,434 bps | |
| Share Growth (YoY) | 4.53% | 3.79% | 10.56% | 6.48% | 9.14% | +460 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.32% | 1.65% | 1.68% | 1.98% | 1.63% | -69 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.82% | 12.21% | 11.92% | 12.23% | 12.35% | +53 bps | |
| Net Worth / Assets | 11.82% | 12.21% | 11.92% | 12.23% | 12.35% | +53 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.58% | 70.12% | 65.88% | 70.45% | 70.69% | +12 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hamilton, OH · Charter 5845 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 2 branches
Q2 2026
Return on Assets
1.54%
Rank 4 of 26
Net Interest Margin
4.12%
Rank 12 of 26
Efficiency Ratio
69.56%
Rank 5 of 26
Equity / Assets
12.35%
Rank 14 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.54% | 0.41% | 0.79% | 1.34% | Beats 85% | 4 / 26 | |
| Return on Equity | 12.49% | 3.53% | 6.04% | 8.49% | Beats 96% | 1 / 26 | |
| Net Interest Margin | 4.12% | 3.25% | 4.11% | 4.64% | Beats 54% | 12 / 26 | |
| Efficiency Ratio | 69.56% | 71.52% | 75.99% | 84.12% | Beats 85% | 5 / 26 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.63% | 0.40% | 1.09% | 2.09% | Beats 35% | 18 / 26 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.35% | 10.31% | 12.73% | 15.29% | Beats 46% | 14 / 26 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.35% | 10.31% | 12.73% | 15.29% | Beats 46% | 14 / 26 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.69% | 51.92% | 65.22% | 76.21% | 65th pctl | 9 / 26 | |
| Loans / Assets | 61.66% | 44.32% | 54.77% | 68.75% | 65th pctl | 9 / 26 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||