Whitewater Community
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
$11.3MAssets
$8.1MLoans
$10.1MShares
$1.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 92% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 3 of 26).
- Widest gap: efficiency ratio trails 85% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 23 of 26).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 | 8-Qtr Trend | 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 |