Cincinnati, OH · Charter 62624
NCUA · 1 branch
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
96
Asset Quality
100
Profitability
60
Liquidity
0
Efficiency
73
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.
Cincinnati, OH · Charter 62624
NCUA · 1 branch
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 | 3.48% | 1.95% | 0.68% | 1.39% | 1.29% | -219 bps | |
| Return on Equity | 15.48% | 8.68% | 3.26% | 6.26% | 5.93% | -956 bps | |
| Net Interest Margin | 5.23% | 5.14% | 4.39% | 4.64% | 4.63% | -60 bps | |
| Efficiency Ratio | 35.26% | 62.02% | 76.89% | 70.95% | 71.83% | +3,658 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.01% | 0.05% | 1.07% | -0.81% | 4.52% | +453 bps | |
| Loan Growth (YoY) | -2.70% | -3.55% | 7.34% | 20.15% | 27.12% | +2,982 bps | |
| Share Growth (YoY) | -2.20% | -1.82% | -8.12% | -1.65% | 0.85% | +305 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.46% | 0.43% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.33% | 1.33% | 1.73% | 1.63% | 1.25% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.48% | 22.42% | 20.94% | 22.26% | 21.83% | -65 bps | |
| Net Worth / Assets | 22.48% | 22.42% | 20.94% | 22.26% | 21.83% | -65 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.35% | 74.26% | 85.00% | 87.84% | 92.45% | +1,910 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cincinnati, OH · Charter 62624 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 1 branch
Q2 2026
Return on Assets
1.29%
Rank 8 of 26
Net Interest Margin
4.62%
Rank 8 of 26
Efficiency Ratio
71.83%
Rank 8 of 26
Equity / Assets
21.83%
Rank 1 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.29% | 0.41% | 0.79% | 1.34% | Beats 69% | 8 / 26 | |
| Return on Equity | 5.91% | 3.53% | 6.04% | 8.49% | Beats 42% | 15 / 26 | |
| Net Interest Margin | 4.62% | 3.25% | 4.11% | 4.64% | Beats 69% | 8 / 26 | |
| Efficiency Ratio | 71.83% | 71.52% | 75.99% | 84.12% | Beats 73% | 8 / 26 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.40% | 1.09% | 2.09% | Beats 100% | 2 / 26 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 21.83% | 10.31% | 12.73% | 15.29% | Beats 96% | 1 / 26 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 21.83% | 10.31% | 12.73% | 15.29% | Beats 96% | 1 / 26 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.45% | 51.92% | 65.22% | 76.21% | 92nd pctl | 2 / 26 | |
| Loans / Assets | 69.23% | 44.32% | 54.77% | 68.75% | 77th pctl | 6 / 26 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||