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Advantage

Mansfield, OH · Charter 61383

NCUA · 1 branch

Q2 2026

$43.2MAssets
$20.5MLoans
$40.1MShares
$4.1MNet 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 0.07%, up 5 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 9.43%, down 20 bps from a year ago.
  • Funding: loans stand at 51.16% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.07%+5 bps YoY

Net Interest Margin (quarter, annualized)

3.78%+17 bps YoY

Efficiency Ratio (quarter, annualized)

88.86%-155 bps YoY

Net Worth / Assets

9.43%-20 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.02%0.06%0.14%0.05%0.07%+5 bps
Return on Equity0.21%0.62%1.52%0.52%0.76%+55 bps
Net Interest Margin3.62%3.63%3.59%3.75%3.78%+17 bps
Efficiency Ratio90.41%90.09%88.63%92.53%88.86%-155 bps
Growth
Asset Growth (YoY)0.56%2.60%4.32%1.61%4.00%+344 bps
Loan Growth (YoY)-6.93%-6.54%-6.13%-8.30%-9.44%-251 bps
Share Growth (YoY)0.01%2.49%3.25%0.67%3.52%+351 bps
Asset Quality
Delinquent Loans / Loans0.00%0.07%0.16%0.08%0.00%0 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 Capital9.63%9.59%9.41%9.56%9.43%-20 bps
Net Worth / Assets9.63%9.59%9.41%9.56%9.43%-20 bps
Liquidity & Funding
Loans / Shares58.48%57.79%55.12%52.86%51.16%-732 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps