PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pillar

Marion, OH · Charter 61324

NCUA · 2 branches

Q2 2026

$134.8MAssets
$81.8MLoans
$120.4MShares
$15.7MNet 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 1.17%, up 14 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.60% of loans (-13 bps YoY).
  • Capital: net worth / assets of 11.64%, up 103 bps from a year ago.
  • Funding: loans stand at 67.94% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.17%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+28 bps YoY

Efficiency Ratio (YTD, annualized)

72.20%-202 bps YoY

Net Worth / Assets

11.64%+103 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.05%0.98%0.90%1.17%+14 bps
Return on Equity9.69%9.69%9.17%8.44%10.08%+38 bps
Net Interest Margin3.25%3.37%3.38%3.56%3.53%+28 bps
Efficiency Ratio74.23%72.86%73.21%73.83%72.20%-202 bps
Growth
Asset Growth (YoY)9.21%9.23%10.08%7.91%12.43%+322 bps
Loan Growth (YoY)1.73%2.17%2.38%3.00%9.39%+766 bps
Share Growth (YoY)9.12%9.22%9.39%7.28%10.54%+142 bps
Asset Quality
Delinquent Loans / Loans0.73%1.04%0.95%0.89%0.60%-13 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 Capital10.61%10.81%10.72%10.64%11.64%+103 bps
Net Worth / Assets10.61%10.81%10.72%10.64%11.64%+103 bps
Liquidity & Funding
Loans / Shares68.65%68.33%66.60%65.48%67.94%-72 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps