Burton, OH · Charter 61220
NCUA · 2 branches
Q1 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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.41% | 1.34% | 1.17% | 0.52% | 0.06% | 0.64% | 0.82% | 2.01% | +150 bps | |
| Return on Equity | 12.17% | 12.28% | 11.43% | 5.28% | 0.70% | 7.05% | 8.69% | 20.15% | +1,487 bps | |
| Net Interest Margin | 3.61% | 3.27% | 2.96% | 2.19% | 1.63% | 3.19% | 3.27% | 3.23% | +104 bps | |
| Efficiency Ratio | 63.31% | 61.15% | 63.05% | 79.51% | 96.55% | 49.94% | 52.11% | 38.57% | -4,094 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.64% | 27.00% | 33.09% | 34.36% | 38.67% | 30.13% | 18.63% | 11.20% | -2,317 bps | |
| Loan Growth (YoY) | 15.85% | 11.29% | 8.66% | 3.40% | 6.68% | 9.33% | 12.42% | 14.46% | +1,105 bps | |
| Share Growth (YoY) | 16.38% | 27.93% | 36.31% | 37.87% | 42.99% | 32.90% | 19.22% | 10.56% | -2,731 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.27% | 0.59% | 3.13% | 2.16% | 5.35% | 3.73% | 3.51% | 4.49% | +233 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 | 11.61% | 10.90% | 10.25% | 9.77% | 9.14% | 9.07% | 9.47% | 10.00% | +23 bps | |
| Net Worth / Assets | 11.61% | 10.90% | 10.25% | 9.77% | 9.14% | 9.07% | 9.47% | 10.00% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.80% | 86.37% | 79.41% | 74.10% | 69.98% | 71.04% | 74.88% | 76.72% | +261 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |