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 | |