Cincinnati, OH · Charter 62624
NCUA · 1 branch
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 | 1.00% | 0.94% | 2.72% | 3.48% | 1.95% | 0.68% | 1.39% | 1.29% | -219 bps | |
| Return on Equity | 4.82% | 4.57% | 12.52% | 15.48% | 8.68% | 3.26% | 6.26% | 5.93% | -956 bps | |
| Net Interest Margin | 4.57% | 4.60% | 5.54% | 5.23% | 5.14% | 4.39% | 4.64% | 4.63% | -60 bps | |
| Efficiency Ratio | 74.66% | 73.62% | 52.56% | 35.26% | 62.02% | 76.89% | 70.95% | 71.83% | +3,658 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.33% | 1.72% | 0.83% | -0.01% | 0.05% | 1.07% | -0.81% | 4.52% | +453 bps | |
| Loan Growth (YoY) | 8.21% | 12.38% | 5.25% | -2.70% | -3.55% | 7.34% | 20.15% | 27.12% | +2,982 bps | |
| Share Growth (YoY) | -6.72% | 0.11% | -1.13% | -2.20% | -1.82% | -8.12% | -1.65% | 0.85% | +305 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 1.16% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.07% | 1.36% | 1.28% | 1.33% | 1.33% | 1.73% | 1.63% | 1.25% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.77% | 20.47% | 21.71% | 22.48% | 22.42% | 20.94% | 22.26% | 21.83% | -65 bps | |
| Net Worth / Assets | 20.77% | 20.47% | 21.71% | 22.48% | 22.42% | 20.94% | 22.26% | 21.83% | -65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.59% | 72.76% | 71.90% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |