West Chester, OH · Charter 61810
NCUA · 14 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 | 0.71% | 0.57% | 0.34% | 0.45% | 0.47% | 0.49% | 0.51% | 0.56% | +11 bps | |
| Return on Equity | 6.51% | 5.39% | 3.14% | 4.03% | 4.13% | 4.30% | 4.49% | 4.83% | +80 bps | |
| Net Interest Margin | 2.35% | 2.29% | 2.53% | 2.66% | 2.73% | 2.77% | 2.82% | 2.92% | +26 bps | |
| Efficiency Ratio | 72.06% | 73.14% | 77.44% | 75.30% | 74.77% | 74.00% | 77.77% | 77.68% | +237 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.42% | 10.41% | 8.12% | 1.04% | -0.06% | -3.24% | 0.46% | 0.72% | -31 bps | |
| Loan Growth (YoY) | 2.28% | -3.49% | -5.03% | -5.26% | -1.33% | 2.62% | 3.08% | 5.05% | +1,031 bps | |
| Share Growth (YoY) | 8.84% | 14.92% | 16.62% | 9.68% | 7.53% | 3.92% | 1.50% | 2.02% | -766 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.70% | 0.62% | 0.71% | 0.85% | 0.81% | 0.76% | 0.85% | +14 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 | 10.91% | 10.49% | 10.80% | 11.21% | 11.32% | 11.33% | 11.27% | 11.68% | +47 bps | |
| Net Worth / Assets | 10.91% | 10.49% | 10.80% | 11.21% | 11.32% | 11.33% | 11.27% | 11.68% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.08% | 95.68% | 90.32% | 91.40% | 95.50% | 94.48% | 91.73% | 94.12% | +272 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |