Athens, OH · Charter 61048
NCUA · 5 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 | 0.24% | 0.23% | 0.13% | -1.00% | -0.32% | -57 bps | |
| Return on Equity | 2.06% | 1.95% | 1.10% | -8.69% | -2.80% | -486 bps | |
| Net Interest Margin | 3.66% | 3.69% | 3.68% | 3.99% | 3.93% | +27 bps | |
| Efficiency Ratio | 89.53% | 89.73% | 89.70% | 101.08% | 95.07% | +554 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.26% | 5.76% | 4.98% | 0.36% | 1.23% | -603 bps | |
| Loan Growth (YoY) | 5.41% | 3.87% | 2.84% | 3.21% | 4.29% | -112 bps | |
| Share Growth (YoY) | 7.26% | 6.82% | 5.23% | 3.70% | 5.41% | -185 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.78% | 11.83% | 11.59% | 11.53% | 11.49% | -30 bps | |
| Net Worth / Assets | 11.78% | 11.83% | 11.59% | 11.53% | 11.49% | -30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |