PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Whitewater Community

Harrison, OH · Charter 61760

NCUA · 2 branches

Q2 2026

$11.3MAssets
$8.1MLoans
$10.1MShares
$1.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.29%, down 58 bps year over year; NIM at 4.74%.
  • Asset quality: problem loans at 0.06% of loans (-14 bps YoY).
  • Capital: net worth / assets of 10.48%, up 57 bps from a year ago.
  • Funding: loans stand at 80.02% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.29%-58 bps YoY

Net Interest Margin (quarter, annualized)

4.74%-6 bps YoY

Efficiency Ratio (quarter, annualized)

94.70%+882 bps YoY

Net Worth / Assets

10.48%+57 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.85%1.09%0.87%0.89%0.79%0.65%0.29%-58 bps
Return on Equity9.57%9.38%11.93%8.83%8.70%7.90%6.39%2.78%-604 bps
Net Interest Margin4.27%4.21%4.54%4.80%4.83%4.69%4.58%4.74%-6 bps
Efficiency Ratio84.78%85.09%81.53%85.88%85.36%86.99%88.89%94.70%+882 bps
Growth
Asset Growth (YoY)-3.31%0.31%-0.18%-5.18%-3.03%-2.00%-3.35%-0.41%+477 bps
Loan Growth (YoY)-6.81%-3.11%-2.67%-2.71%0.60%-3.90%-5.86%-3.03%-32 bps
Share Growth (YoY)-4.53%-0.64%-1.13%-6.56%-4.34%-3.02%-4.47%-1.14%+542 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.19%0.18%0.00%0.01%0.06%-14 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 Capital9.05%9.08%9.14%9.91%10.25%10.06%10.13%10.48%+57 bps
Net Worth / Assets9.05%9.08%9.14%9.91%10.25%10.06%10.13%10.48%+57 bps
Liquidity & Funding
Loans / Shares79.51%79.45%76.56%81.58%83.61%78.73%75.44%80.02%-155 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps