PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sharefax

Cincinnati, OH · Charter 61090

NCUA · 7 branches

Q2 2026

$720.8MAssets
$518.2MLoans
$643.0MShares
$70.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.59%, up 25 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 1.11% of loans (+55 bps YoY).
  • Capital: net worth / assets of 9.82%, unchanged from a year ago.
  • Funding: loans stand at 80.59% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.59%+25 bps YoY

Net Interest Margin (YTD, annualized)

2.87%+54 bps YoY

Efficiency Ratio (YTD, annualized)

75.96%-191 bps YoY

Net Worth / Assets

9.82%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.34%0.38%0.38%0.42%0.59%+25 bps
Return on Equity3.44%3.75%4.01%4.38%6.04%+259 bps
Net Interest Margin2.33%2.47%2.01%2.76%2.87%+54 bps
Efficiency Ratio77.87%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 / Loans0.57%0.60%0.61%0.87%1.11%+55 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.82%10.12%9.51%9.56%9.82%0 bps
Net Worth / Assets9.82%10.12%9.51%9.56%9.82%0 bps
Liquidity & Funding
Loans / Shares77.00%79.68%78.67%77.41%80.59%+359 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps