PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ohio Teamsters

Independence, OH · Charter 61136

NCUA · 1 branch

Q2 2026

$17.1MAssets
$6.0MLoans
$12.5MShares
$4.6MNet 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 0.50%, down 47 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.52% of loans (+23 bps YoY).
  • Capital: net worth / assets of 26.83%, down 28 bps from a year ago.
  • Funding: loans stand at 47.72% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.50%-47 bps YoY

Net Interest Margin (YTD, annualized)

3.83%-45 bps YoY

Efficiency Ratio (YTD, annualized)

89.34%+795 bps YoY

Net Worth / Assets

26.83%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.99%0.93%0.49%0.50%-47 bps
Return on Equity3.59%3.59%3.36%1.80%1.88%-172 bps
Net Interest Margin4.28%4.33%4.28%3.89%3.83%-45 bps
Efficiency Ratio81.39%81.31%82.43%89.73%89.34%+795 bps
Growth
Asset Growth (YoY)2.45%1.63%-2.70%0.00%3.67%+122 bps
Loan Growth (YoY)-20.67%-20.35%-21.13%-23.05%-24.60%-393 bps
Share Growth (YoY)2.22%0.70%-4.90%-1.11%4.09%+187 bps
Asset Quality
Delinquent Loans / Loans0.29%0.28%0.32%0.26%0.52%+23 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 Capital27.11%27.65%27.63%27.23%26.83%-28 bps
Net Worth / Assets27.11%27.65%27.63%27.23%26.83%-28 bps
Liquidity & Funding
Loans / Shares65.89%64.13%58.74%52.68%47.72%-1,816 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps