Ashtabula, OH · Charter 61094
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.29% | 0.39% | 0.58% | 0.65% | 0.75% | 1.31% | 1.45% | +86 bps | |
| Return on Equity | 2.10% | 2.21% | 3.00% | 4.44% | 4.81% | 5.50% | 9.54% | 10.35% | +591 bps | |
| Net Interest Margin | 2.99% | 3.01% | 3.28% | 3.36% | 3.52% | 3.57% | 3.77% | 3.83% | +47 bps | |
| Efficiency Ratio | 88.50% | 87.25% | 84.98% | 82.66% | 81.07% | 78.86% | 72.46% | 70.39% | -1,227 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.69% | 0.65% | 3.57% | 4.77% | 4.01% | 2.92% | 2.71% | 2.88% | -188 bps | |
| Loan Growth (YoY) | 3.22% | 3.61% | 1.37% | 5.31% | 7.40% | 10.42% | 13.87% | 10.10% | +479 bps | |
| Share Growth (YoY) | -3.99% | 0.55% | 3.17% | 4.44% | 3.39% | 1.95% | 1.81% | 2.25% | -220 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 0.48% | 0.61% | 0.72% | 1.52% | 1.30% | 1.21% | 1.69% | +97 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 | 13.51% | 13.34% | 13.09% | 13.16% | 13.56% | 13.71% | 13.72% | 13.96% | +80 bps | |
| Net Worth / Assets | 13.51% | 13.34% | 13.09% | 13.16% | 13.56% | 13.71% | 13.72% | 13.96% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.83% | 52.13% | 49.57% | 51.94% | 54.88% | 56.46% | 55.44% | 55.93% | +399 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |