Gahanna, OH · Charter 61623
NCUA · 12 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 | 0.74% | 0.79% | 0.76% | 0.89% | 0.93% | 0.98% | 0.99% | 0.93% | +4 bps | |
| Return on Equity | 6.15% | 6.49% | 6.29% | 7.27% | 7.47% | 7.95% | 7.83% | 7.36% | +9 bps | |
| Net Interest Margin | 3.22% | 3.28% | 3.47% | 3.51% | 3.57% | 3.51% | 3.64% | 3.67% | +16 bps | |
| Efficiency Ratio | 70.83% | 69.77% | 69.85% | 67.73% | 67.83% | 66.55% | 66.42% | 66.53% | -120 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.06% | 6.95% | 8.35% | 5.02% | 3.67% | 6.63% | 3.42% | 4.69% | -34 bps | |
| Loan Growth (YoY) | 6.65% | 6.29% | 7.89% | 7.39% | 8.62% | 7.36% | 6.36% | 7.59% | +20 bps | |
| Share Growth (YoY) | 13.52% | 9.99% | 5.71% | 2.99% | 1.37% | 5.36% | 4.44% | 5.32% | +233 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.52% | 0.39% | 0.52% | 0.63% | 0.61% | 0.61% | 0.58% | +5 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 | 12.05% | 12.20% | 12.07% | 12.19% | 12.46% | 12.35% | 12.64% | 12.57% | +38 bps | |
| Net Worth / Assets | 12.05% | 12.20% | 12.07% | 12.19% | 12.46% | 12.35% | 12.64% | 12.57% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.78% | 89.11% | 89.11% | 90.47% | 92.98% | 90.80% | 90.75% | 92.41% | +195 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |