Barberton, OH · Charter 616
NCUA · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.71% | 0.44% | 1.25% | 1.44% | 1.38% | 1.45% | 1.00% | -26 bps | |
| Return on Equity | 5.70% | 5.17% | 3.33% | 9.44% | 10.55% | 10.15% | 10.65% | 7.53% | -191 bps | |
| Net Interest Margin | 4.00% | 3.99% | 3.99% | 3.93% | 3.95% | 3.93% | 3.89% | 3.81% | -12 bps | |
| Efficiency Ratio | 77.96% | 79.18% | 83.78% | 71.86% | 67.70% | 70.06% | 63.93% | 74.05% | +219 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.58% | -0.89% | 1.19% | 4.26% | 12.04% | 12.20% | 9.04% | 10.46% | +619 bps | |
| Loan Growth (YoY) | 8.77% | 2.58% | -3.77% | -5.68% | -5.41% | -3.33% | -2.21% | 4.44% | +1,012 bps | |
| Share Growth (YoY) | 0.91% | -0.86% | -0.98% | 0.41% | 9.69% | 8.92% | 9.94% | 13.26% | +1,285 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.33% | 0.47% | 0.16% | 0.29% | 0.11% | 0.42% | 0.17% | 0 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 | 14.02% | 13.80% | 13.12% | 13.27% | 13.66% | 13.63% | 13.65% | 13.24% | -3 bps | |
| Net Worth / Assets | 14.02% | 13.80% | 13.12% | 13.27% | 13.66% | 13.63% | 13.65% | 13.24% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.07% | 94.15% | 88.60% | 86.47% | 85.44% | 83.56% | 78.80% | 79.74% | -674 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |