Independence, OH · Charter 61136
NCUA · 1 branch
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 | 0.36% | 0.55% | 0.91% | 0.97% | 0.99% | 0.93% | 0.49% | 0.50% | -47 bps | |
| Return on Equity | 1.32% | 2.10% | 3.44% | 3.59% | 3.59% | 3.36% | 1.80% | 1.88% | -172 bps | |
| Net Interest Margin | 4.24% | 4.07% | 4.19% | 4.28% | 4.33% | 4.28% | 3.89% | 3.83% | -45 bps | |
| Efficiency Ratio | 93.12% | 89.06% | 82.22% | 81.39% | 81.31% | 82.43% | 89.73% | 89.34% | +795 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.60% | 7.62% | 4.79% | 2.45% | 1.63% | -2.70% | 0.00% | 3.67% | +122 bps | |
| Loan Growth (YoY) | -10.28% | -14.97% | -17.73% | -20.67% | -20.35% | -21.13% | -23.05% | -24.60% | -393 bps | |
| Share Growth (YoY) | 1.53% | 9.73% | 5.68% | 2.22% | 0.70% | -4.90% | -1.11% | 4.09% | +187 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.30% | 0.31% | 0.29% | 0.28% | 0.32% | 0.26% | 0.52% | +23 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 | 27.04% | 25.98% | 26.42% | 27.11% | 27.65% | 27.63% | 27.23% | 26.83% | -28 bps | |
| Net Worth / Assets | 27.04% | 25.98% | 26.42% | 27.11% | 27.65% | 27.63% | 27.23% | 26.83% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.08% | 70.83% | 67.70% | 65.89% | 64.13% | 58.74% | 52.68% | 47.72% | -1,816 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |