PackageTrendsPeer
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Telhio

Columbus, OH · Charter 62848

NCUA · 12 branches

Q2 2026

$1.4BAssets
$1.1BLoans
$1.1BShares
$130.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.09%, up 1 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 2.01% of loans (+74 bps YoY).
  • Capital: net worth / assets of 9.65%, up 24 bps from a year ago.
  • Funding: loans stand at 93.23% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.09%+1 bps YoY

Net Interest Margin (quarter, annualized)

3.35%+23 bps YoY

Efficiency Ratio (quarter, annualized)

93.17%+558 bps YoY

Net Worth / Assets

9.65%+24 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.08%0.18%0.15%0.04%0.09%+1 bps
Return on Equity0.83%1.86%1.54%0.40%0.88%+5 bps
Net Interest Margin3.12%3.23%3.29%3.30%3.35%+23 bps
Efficiency Ratio87.59%86.64%87.43%96.87%93.17%+558 bps
Growth
Asset Growth (YoY)-1.88%-4.98%-5.35%-3.46%-1.28%+60 bps
Loan Growth (YoY)-3.40%-4.31%-1.41%-2.38%-0.81%+259 bps
Share Growth (YoY)1.70%-2.54%-2.91%-4.67%-2.45%-414 bps
Asset Quality
Delinquent Loans / Loans1.27%1.68%1.53%1.77%2.01%+74 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.41%9.60%9.59%9.67%9.65%+24 bps
Net Worth / Assets9.41%9.60%9.59%9.67%9.65%+24 bps
Liquidity & Funding
Loans / Shares91.70%92.65%93.68%93.44%93.23%+154 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps