PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

New Horizon

Barberton, OH · Charter 616

NCUA · 5 branches

Q2 2026

$44.9MAssets
$30.7MLoans
$38.6MShares
$5.9MNet Worth

Executive Summary

  • Earnings: ROA of 1.00%, down 26 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.17% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.24%, down 3 bps from a year ago.
  • Funding: loans stand at 79.74% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.00%-26 bps YoY

Net Interest Margin (YTD, annualized)

3.81%-12 bps YoY

Efficiency Ratio (YTD, annualized)

74.05%+219 bps YoY

Net Worth / Assets

13.24%-3 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.71%0.44%1.25%1.44%1.38%1.45%1.00%-26 bps
Return on Equity5.70%5.17%3.33%9.44%10.55%10.15%10.65%7.53%-191 bps
Net Interest Margin4.00%3.99%3.99%3.93%3.95%3.93%3.89%3.81%-12 bps
Efficiency Ratio77.96%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 / Loans0.31%0.33%0.47%0.16%0.29%0.11%0.42%0.17%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.02%13.80%13.12%13.27%13.66%13.63%13.65%13.24%-3 bps
Net Worth / Assets14.02%13.80%13.12%13.27%13.66%13.63%13.65%13.24%-3 bps
Liquidity & Funding
Loans / Shares99.07%94.15%88.60%86.47%85.44%83.56%78.80%79.74%-674 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps