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Letter portraitLegal landscapeQuarterYTD

Oucu Financial Credit Union, Inc.

Athens, OH · Charter 61048

NCUA · 5 branches

Q2 2026

$526.8MAssets
$416.2MLoans
$456.7MShares
$60.5MNet Worth

Executive Summary

  • Earnings: ROA of -0.32%, down 57 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 1.17% of loans (+10 bps YoY).
  • Capital: net worth / assets of 11.49%, down 30 bps from a year ago.
  • Funding: loans stand at 91.14% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-0.32%-57 bps YoY

Net Interest Margin (YTD, annualized)

3.93%+27 bps YoY

Efficiency Ratio (YTD, annualized)

95.07%+554 bps YoY

Net Worth / Assets

11.49%-30 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.48%0.49%0.24%0.23%0.13%-1.00%-0.32%-57 bps
Return on Equity3.54%3.95%4.12%2.06%1.95%1.10%-8.69%-2.80%-486 bps
Net Interest Margin3.64%3.59%3.60%3.66%3.69%3.68%3.99%3.93%+27 bps
Efficiency Ratio82.26%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 / Loans0.58%0.48%0.75%1.08%1.18%0.71%0.84%1.17%+10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.17%12.03%11.82%11.78%11.83%11.59%11.53%11.49%-30 bps
Net Worth / Assets12.17%12.03%11.82%11.78%11.83%11.59%11.53%11.49%-30 bps
Liquidity & Funding
Loans / Shares94.77%93.25%90.64%92.12%92.16%91.13%90.21%91.14%-98 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps