Massillon, OH · Charter 61239
NCUA · 4 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 | 0.86% | 0.19% | 0.73% | 0.87% | 0.74% | 0.55% | -1.14% | 0.30% | -58 bps | |
| Return on Equity | 5.58% | 1.21% | 4.83% | 5.59% | 4.62% | 3.42% | -8.26% | 1.90% | -369 bps | |
| Net Interest Margin | 4.37% | 4.32% | 4.28% | 4.40% | 4.52% | 4.40% | 2.92% | 4.91% | +51 bps | |
| Efficiency Ratio | 78.05% | 92.23% | 85.11% | 82.62% | 86.68% | 89.75% | 130.21% | 93.16% | +1,054 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.95% | -4.91% | 0.01% | 0.80% | -2.18% | -0.51% | -2.51% | 0.30% | -50 bps | |
| Loan Growth (YoY) | -2.09% | -5.58% | -7.64% | -1.04% | 9.78% | 9.02% | 2.41% | -9.50% | -845 bps | |
| Share Growth (YoY) | -6.02% | -6.49% | -1.60% | 0.24% | -3.44% | -1.25% | -2.58% | 1.29% | +105 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.15% | 0.52% | 0.55% | 0.72% | 0.92% | 1.03% | 2.24% | +169 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 | 15.33% | 15.45% | 15.04% | 15.61% | 15.92% | 15.95% | 13.84% | 15.63% | +2 bps | |
| Net Worth / Assets | 15.33% | 15.45% | 15.04% | 15.61% | 15.92% | 15.95% | 13.84% | 15.63% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.33% | 52.91% | 51.04% | 54.76% | 60.62% | 58.42% | 53.65% | 48.93% | -583 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |