Cincinnati, OH · Charter 61090
NCUA · 7 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 | 0.09% | 0.22% | 0.07% | 0.34% | 0.38% | 0.38% | 0.42% | 0.59% | +25 bps | |
| Return on Equity | 0.90% | 2.26% | 0.73% | 3.44% | 3.75% | 4.01% | 4.38% | 6.04% | +259 bps | |
| Net Interest Margin | 1.89% | 1.94% | 2.23% | 2.33% | 2.47% | 2.01% | 2.76% | 2.87% | +54 bps | |
| Efficiency Ratio | 88.26% | 83.85% | 82.67% | 77.87% | 76.72% | 75.14% | 80.38% | 75.96% | -191 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.80% | 0.53% | 2.10% | 4.10% | 2.49% | 42.33% | 38.96% | 37.66% | +3,357 bps | |
| Loan Growth (YoY) | -1.70% | -0.23% | 0.73% | 2.14% | 4.29% | 42.60% | 40.86% | 43.40% | +4,126 bps | |
| Share Growth (YoY) | 0.57% | -0.18% | 1.42% | 3.32% | 1.57% | 42.20% | 38.38% | 37.02% | +3,369 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.45% | 0.64% | 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 | 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 | 9.95% | 9.96% | 9.69% | 9.82% | 10.12% | 9.51% | 9.56% | 9.82% | 0 bps | |
| Net Worth / Assets | 9.95% | 9.96% | 9.69% | 9.82% | 10.12% | 9.51% | 9.56% | 9.82% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.61% | 78.44% | 76.05% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |