Cincinnati, OH · Charter 61090
NCUA · 7 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 in the Cincinnati, OH-KY-IN area (n=26). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
15
Asset Quality
46
Profitability
32
Liquidity
13
Efficiency
54
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.
Cincinnati, OH · Charter 61090
NCUA · 7 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 | 0.34% | 0.38% | 0.38% | 0.42% | 0.59% | +25 bps | |
| Return on Equity | 3.44% | 3.75% | 4.01% | 4.38% | 6.04% | +259 bps | |
| Net Interest Margin | 2.33% | 2.47% | 2.01% | 2.76% | 2.87% | +54 bps | |
| Efficiency Ratio | 77.87% | 76.72% | 75.14% | 80.38% | 75.96% | -191 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.10% | 2.49% | 42.33% | 38.96% | 37.66% | +3,357 bps | |
| Loan Growth (YoY) | 2.14% | 4.29% | 42.60% | 40.86% | 43.40% | +4,126 bps | |
| Share Growth (YoY) | 3.32% | 1.57% | 42.20% | 38.38% | 37.02% | +3,369 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.57% | 0.60% | 0.61% | 0.87% | 1.11% | +55 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 | 9.82% | 10.12% | 9.51% | 9.56% | 9.82% | 0 bps | |
| Net Worth / Assets | 9.82% | 10.12% | 9.51% | 9.56% | 9.82% | 0 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.00% | 79.68% | 78.67% | 77.41% | 80.59% | +359 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cincinnati, OH · Charter 61090 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 7 branches
Q2 2026
Return on Assets
0.59%
Rank 17 of 26
Net Interest Margin
2.87%
Rank 23 of 26
Efficiency Ratio
75.96%
Rank 13 of 26
Equity / Assets
9.82%
Rank 22 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.41% | 0.79% | 1.34% | Beats 35% | 17 / 26 | |
| Return on Equity | 6.04% | 3.53% | 6.04% | 8.49% | Beats 50% | 13 / 26 | |
| Net Interest Margin | 2.87% | 3.25% | 4.11% | 4.64% | Beats 12% | 23 / 26 | |
| Efficiency Ratio | 75.96% | 71.52% | 75.99% | 84.12% | Beats 54% | 13 / 26 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.11% | 0.40% | 1.09% | 2.09% | Beats 46% | 15 / 26 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.82% | 10.31% | 12.73% | 15.29% | Beats 15% | 22 / 26 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.82% | 10.31% | 12.73% | 15.29% | Beats 15% | 22 / 26 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.59% | 51.92% | 65.22% | 76.21% | 81st pctl | 5 / 26 | |
| Loans / Assets | 71.89% | 44.32% | 54.77% | 68.75% | 92nd pctl | 2 / 26 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||