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Scott Associates

Marysville, OH · Charter 63386

NCUA · 1 branch

Q2 2026

$15.1MAssets
$10.6MLoans
$13.3MShares
$1.7MNet 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 0.10%, down 3 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 1.18% of loans (+79 bps YoY).
  • Capital: net worth / assets of 11.57%, down 35 bps from a year ago.
  • Funding: loans stand at 79.50% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.10%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.77%+21 bps YoY

Efficiency Ratio (YTD, annualized)

87.84%+258 bps YoY

Net Worth / Assets

11.57%-35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.13%0.35%0.30%0.08%0.10%-3 bps
Return on Equity1.06%2.90%2.69%0.72%0.86%-20 bps
Net Interest Margin3.57%3.67%3.49%3.56%3.77%+21 bps
Efficiency Ratio85.26%83.77%87.45%87.49%87.84%+258 bps
Growth
Asset Growth (YoY)-1.19%3.96%13.91%12.61%3.97%+516 bps
Loan Growth (YoY)5.47%16.55%34.81%28.63%20.64%+1,517 bps
Share Growth (YoY)-2.09%3.65%13.64%14.18%4.42%+651 bps
Asset Quality
Delinquent Loans / Loans0.39%0.98%0.76%0.33%1.18%+79 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 Capital11.93%12.18%11.20%11.08%11.57%-35 bps
Net Worth / Assets11.93%12.18%11.20%11.08%11.57%-35 bps
Liquidity & Funding
Loans / Shares68.81%75.35%83.67%76.42%79.50%+1,069 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps