Athens, OH · Charter 61048
NCUA · 5 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
36
Asset Quality
28
Profitability
24
Liquidity
4
Efficiency
10
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.
Athens, OH · Charter 61048
NCUA · 5 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.48% | 0.49% | 0.24% | 0.23% | 0.13% | -1.00% | -0.32% | -57 bps | |
| Return on Equity | 3.54% | 3.95% | 4.12% | 2.06% | 1.95% | 1.10% | -8.69% | -2.80% | -486 bps | |
| Net Interest Margin | 3.64% | 3.59% | 3.60% | 3.66% | 3.69% | 3.68% | 3.99% | 3.93% | +27 bps | |
| Efficiency Ratio | 82.26% | 82.20% | 87.86% | 89.53% | 89.73% | 89.70% | 101.08% | 95.07% | +554 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.52% | -1.80% | 7.37% | 7.26% | 5.76% | 4.98% | 0.36% | 1.23% | -603 bps | |
| Loan Growth (YoY) | 4.99% | 5.18% | 5.28% | 5.41% | 3.87% | 2.84% | 3.21% | 4.29% | -112 bps | |
| Share Growth (YoY) | 3.38% | 7.13% | 7.44% | 7.26% | 6.82% | 5.23% | 3.70% | 5.41% | -185 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.48% | 0.75% | 1.08% | 1.18% | 0.71% | 0.84% | 1.17% | +10 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 | 12.17% | 12.03% | 11.82% | 11.78% | 11.83% | 11.59% | 11.53% | 11.49% | -30 bps | |
| Net Worth / Assets | 12.17% | 12.03% | 11.82% | 11.78% | 11.83% | 11.59% | 11.53% | 11.49% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.77% | 93.25% | 90.64% | 92.12% | 92.16% | 91.13% | 90.21% | 91.14% | -98 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Athens, OH · Charter 61048 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
-0.32%
Rank 1,553 of 1,683
Net Interest Margin
3.93%
Rank 732 of 1,683
Efficiency Ratio
95.07%
Rank 1,510 of 1,682
Equity / Assets
11.49%
Rank 1,079 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.32% | 0.35% | 0.74% | 1.18% | Beats 8% | 1,553 / 1,683 | ||
| Return on Equity | -2.80% | 2.67% | 5.89% | 8.74% | Beats 7% | 1,567 / 1,681 | ||
| Net Interest Margin | 3.93% | 3.31% | 3.82% | 4.32% | Beats 57% | 732 / 1,683 | ||
| Efficiency Ratio | 95.07% | 68.91% | 78.20% | 86.93% | Beats 10% | 1,510 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.17% | 0.26% | 0.65% | 1.29% | Beats 28% | 1,215 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.49% | 10.44% | 12.89% | 16.53% | Beats 36% | 1,079 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.49% | 10.44% | 12.89% | 16.53% | Beats 36% | 1,079 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.14% | 52.61% | 69.38% | 83.50% | 88th pctl | 196 / 1,683 | ||
| Loans / Assets | 79.02% | 44.71% | 59.18% | 70.72% | 90th pctl | 163 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||