PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Century

Independence, OH · Charter 5852

NCUA · 10 branches

Q2 2026

$469.9MAssets
$339.3MLoans
$414.4MShares
$51.2MNet 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 0.35%, down 2 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.63% of loans (+16 bps YoY).
  • Capital: net worth / assets of 10.89%, up 11 bps from a year ago.
  • Funding: loans stand at 81.88% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.35%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+4 bps YoY

Efficiency Ratio (YTD, annualized)

87.31%-10 bps YoY

Net Worth / Assets

10.89%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.55%0.56%0.71%0.35%-2 bps
Return on Equity3.42%5.20%5.21%6.55%3.22%-20 bps
Net Interest Margin3.49%3.38%3.43%3.46%3.53%+4 bps
Efficiency Ratio87.41%83.54%83.18%80.25%87.31%-10 bps
Growth
Asset Growth (YoY)2.73%8.66%9.57%7.19%5.59%+286 bps
Loan Growth (YoY)7.31%12.22%9.76%12.71%8.90%+159 bps
Share Growth (YoY)3.39%6.00%7.51%4.76%3.46%+7 bps
Asset Quality
Delinquent Loans / Loans0.46%0.65%0.87%0.59%0.63%+16 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 Capital10.78%10.66%10.74%10.79%10.89%+11 bps
Net Worth / Assets10.78%10.66%10.74%10.79%10.89%+11 bps
Liquidity & Funding
Loans / Shares77.79%79.78%78.44%79.30%81.88%+408 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps