Chillicothe, OH · Charter 61089
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
72
Asset Quality
30
Profitability
39
Liquidity
0
Efficiency
81
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.
Chillicothe, OH · Charter 61089
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 | 0.27% | 0.36% | 0.36% | 1.04% | 0.93% | +67 bps | |
| Return on Equity | 1.68% | 2.29% | 2.34% | 6.63% | 5.92% | +424 bps | |
| Net Interest Margin | 2.51% | 2.48% | 2.46% | 2.71% | 2.60% | +9 bps | |
| Efficiency Ratio | 79.79% | 78.38% | 78.62% | 64.86% | 65.63% | -1,415 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.35% | 2.49% | 6.09% | 3.85% | 4.76% | +241 bps | |
| Loan Growth (YoY) | -1.28% | -2.71% | -3.98% | -5.42% | -5.22% | -394 bps | |
| Share Growth (YoY) | 7.92% | 8.70% | 4.51% | 2.74% | 3.87% | -405 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.94% | 0.83% | 1.00% | 1.22% | 1.10% | +16 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 | 15.88% | 15.74% | 15.52% | 15.69% | 15.79% | -8 bps | |
| Net Worth / Assets | 15.88% | 15.74% | 15.52% | 15.69% | 15.79% | -8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.37% | 33.00% | 31.53% | 30.63% | 30.45% | -292 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chillicothe, OH · Charter 61089 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
0.93%
Rank 644 of 1,683
Net Interest Margin
2.60%
Rank 1,599 of 1,683
Efficiency Ratio
65.63%
Rank 316 of 1,682
Equity / Assets
15.79%
Rank 472 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.93% | 0.35% | 0.74% | 1.18% | Beats 62% | 644 / 1,683 | |
| Return on Equity | 5.92% | 2.67% | 5.89% | 8.74% | Beats 50% | 837 / 1,681 | |
| Net Interest Margin | 2.60% | 3.31% | 3.82% | 4.32% | Beats 5% | 1,599 / 1,683 | |
| Efficiency Ratio | 65.63% | 68.91% | 78.20% | 86.93% | Beats 81% | 316 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.11% | 0.26% | 0.65% | 1.29% | Beats 30% | 1,184 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.79% | 10.44% | 12.89% | 16.53% | Beats 72% | 472 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.79% | 10.44% | 12.89% | 16.53% | Beats 72% | 472 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 30.45% | 52.61% | 69.38% | 83.50% | 5th pctl | 1,595 / 1,683 | |
| Loans / Assets | 26.70% | 44.71% | 59.18% | 70.72% | 6th pctl | 1,582 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||