Marion, OH · Charter 61324
NCUA · 2 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 | 0.64% | 0.65% | 0.67% | 1.03% | 1.05% | 0.98% | 0.90% | 1.17% | +14 bps | |
| Return on Equity | 5.98% | 6.08% | 6.42% | 9.69% | 9.69% | 9.17% | 8.44% | 10.08% | +38 bps | |
| Net Interest Margin | 2.96% | 3.00% | 3.12% | 3.25% | 3.37% | 3.38% | 3.56% | 3.53% | +28 bps | |
| Efficiency Ratio | 79.33% | 78.86% | 76.78% | 74.23% | 72.86% | 73.21% | 73.83% | 72.20% | -202 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.52% | 5.66% | 10.38% | 9.21% | 9.23% | 10.08% | 7.91% | 12.43% | +322 bps | |
| Loan Growth (YoY) | 1.86% | 2.43% | 1.36% | 1.73% | 2.17% | 2.38% | 3.00% | 9.39% | +766 bps | |
| Share Growth (YoY) | 5.45% | 5.61% | 10.82% | 9.12% | 9.22% | 9.39% | 7.28% | 10.54% | +142 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.71% | 0.69% | 0.73% | 1.04% | 0.95% | 0.89% | 0.60% | -13 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 | 10.77% | 10.72% | 10.38% | 10.61% | 10.81% | 10.72% | 10.64% | 11.64% | +103 bps | |
| Net Worth / Assets | 10.77% | 10.72% | 10.38% | 10.61% | 10.81% | 10.72% | 10.64% | 11.64% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.04% | 71.16% | 68.19% | 68.65% | 68.33% | 66.60% | 65.48% | 67.94% | -72 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |