Harrison, OH · Charter 61760
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
31
Asset Quality
92
Profitability
38
Liquidity
16
Efficiency
15
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Harrison, OH · Charter 61760
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.89% | 0.79% | 0.65% | 0.29% | -58 bps | |
| Return on Equity | 8.83% | 8.70% | 7.90% | 6.39% | 2.78% | -604 bps | |
| Net Interest Margin | 4.80% | 4.83% | 4.69% | 4.58% | 4.74% | -6 bps | |
| Efficiency Ratio | 85.88% | 85.36% | 86.99% | 88.89% | 94.70% | +882 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.18% | -3.03% | -2.00% | -3.35% | -0.41% | +477 bps | |
| Loan Growth (YoY) | -2.71% | 0.60% | -3.90% | -5.86% | -3.03% | -32 bps | |
| Share Growth (YoY) | -6.56% | -4.34% | -3.02% | -4.47% | -1.14% | +542 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.19% | 0.18% | 0.00% | 0.01% | 0.06% | -14 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.91% | 10.25% | 10.06% | 10.13% | 10.48% | +57 bps | |
| Net Worth / Assets | 9.91% | 10.25% | 10.06% | 10.13% | 10.48% | +57 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.58% | 83.61% | 78.73% | 75.44% | 80.02% | -155 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Harrison, OH · Charter 61760 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 2 branches
Q2 2026
Return on Assets
0.28%
Rank 21 of 26
Net Interest Margin
4.75%
Rank 6 of 26
Efficiency Ratio
94.69%
Rank 23 of 26
Equity / Assets
10.48%
Rank 18 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.41% | 0.79% | 1.34% | Beats 19% | 21 / 26 | |
| Return on Equity | 2.70% | 3.53% | 6.04% | 8.49% | Beats 19% | 21 / 26 | |
| Net Interest Margin | 4.75% | 3.25% | 4.11% | 4.64% | Beats 77% | 6 / 26 | |
| Efficiency Ratio | 94.69% | 71.52% | 75.99% | 84.12% | Beats 15% | 23 / 26 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.05% | 0.40% | 1.09% | 2.09% | Beats 92% | 3 / 26 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.48% | 10.31% | 12.73% | 15.29% | Beats 31% | 18 / 26 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.48% | 10.31% | 12.73% | 15.29% | Beats 31% | 18 / 26 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.02% | 51.92% | 65.22% | 76.21% | 77th pctl | 6 / 26 | |
| Loans / Assets | 71.52% | 44.32% | 54.77% | 68.75% | 85th pctl | 4 / 26 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||