Middletown, OH · Charter 62877
NCUA · 2 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 | 1.74% | 2.05% | 0.80% | 1.08% | 1.20% | 1.46% | 1.73% | 1.35% | +26 bps | |
| Return on Equity | 12.41% | 14.19% | 5.84% | 7.70% | 8.25% | 9.74% | 11.31% | 8.86% | +116 bps | |
| Net Interest Margin | 4.97% | 4.98% | 4.12% | 4.46% | 4.65% | 4.79% | 4.56% | 4.50% | +4 bps | |
| Efficiency Ratio | 67.32% | 63.59% | 81.98% | 79.05% | 76.52% | 72.89% | 64.82% | 71.77% | -728 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.05% | 3.94% | 9.60% | 5.35% | 6.91% | 5.96% | 0.79% | 3.89% | -145 bps | |
| Loan Growth (YoY) | 5.05% | 6.55% | 5.83% | 18.82% | 32.89% | 25.58% | 21.78% | 7.07% | -1,175 bps | |
| Share Growth (YoY) | 2.76% | 2.36% | 9.40% | 5.03% | 6.48% | 5.41% | -0.97% | 2.46% | -257 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.04% | 0.80% | 0.39% | 0.92% | 0.37% | 0.49% | 0.69% | 1.09% | +17 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 | 0.37% | 0.30% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.06% | 14.44% | 13.76% | 14.07% | 14.60% | 15.03% | 15.27% | 15.21% | +114 bps | |
| Net Worth / Assets | 14.06% | 14.44% | 13.76% | 14.07% | 14.60% | 15.03% | 15.27% | 15.21% | +114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.29% | 62.19% | 58.87% | 64.36% | 72.74% | 74.09% | 72.39% | 67.25% | +289 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |