Chillicothe, OH · Charter 61089
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 | 0.93% | 0.80% | 0.24% | 0.27% | 0.36% | 0.36% | 1.04% | 0.93% | +67 bps | |
| Return on Equity | 5.87% | 4.95% | 1.51% | 1.68% | 2.29% | 2.34% | 6.63% | 5.92% | +424 bps | |
| Net Interest Margin | 2.20% | 2.27% | 2.29% | 2.51% | 2.48% | 2.46% | 2.71% | 2.60% | +9 bps | |
| Efficiency Ratio | 65.53% | 69.41% | 80.94% | 79.79% | 78.38% | 78.62% | 64.86% | 65.63% | -1,415 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.70% | 1.83% | 0.42% | 2.35% | 2.49% | 6.09% | 3.85% | 4.76% | +241 bps | |
| Loan Growth (YoY) | 0.11% | -2.36% | -1.16% | -1.28% | -2.71% | -3.98% | -5.42% | -5.22% | -394 bps | |
| Share Growth (YoY) | 0.71% | 4.02% | 6.57% | 7.92% | 8.70% | 4.51% | 2.74% | 3.87% | -405 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 1.00% | 1.09% | 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 | 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 | 15.79% | 16.10% | 15.77% | 15.88% | 15.74% | 15.52% | 15.69% | 15.79% | -8 bps | |
| Net Worth / Assets | 15.79% | 16.10% | 15.77% | 15.88% | 15.74% | 15.52% | 15.69% | 15.79% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.86% | 34.32% | 33.28% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |