PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Champion

Toledo, OH · Charter 63100

NCUA · 3 branches

Q2 2026

$74.1MAssets
$25.2MLoans
$65.2MShares
$8.6MNet 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 0.85%, up 22 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.89% of loans (+37 bps YoY).
  • Capital: net worth / assets of 11.58%, up 41 bps from a year ago.
  • Funding: loans stand at 38.62% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.85%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.03%+15 bps YoY

Efficiency Ratio (YTD, annualized)

82.01%-361 bps YoY

Net Worth / Assets

11.58%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.52%0.63%1.17%0.85%+22 bps
Return on Equity5.62%4.60%5.52%10.23%7.30%+168 bps
Net Interest Margin2.88%2.92%2.95%2.93%3.03%+15 bps
Efficiency Ratio85.62%88.27%85.83%76.50%82.01%-361 bps
Growth
Asset Growth (YoY)1.52%4.34%2.82%1.55%2.46%+94 bps
Loan Growth (YoY)-4.51%-5.62%-2.43%-3.44%0.14%+465 bps
Share Growth (YoY)1.25%4.48%2.52%0.89%1.62%+38 bps
Asset Quality
Delinquent Loans / Loans0.52%0.80%0.60%0.70%0.89%+37 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 Capital11.17%11.25%11.41%11.46%11.58%+41 bps
Net Worth / Assets11.17%11.25%11.41%11.46%11.58%+41 bps
Liquidity & Funding
Loans / Shares39.19%38.02%38.79%37.23%38.62%-57 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps