Piketon, OH · Charter 63532
NCUA · 18 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
5
Asset Quality
77
Profitability
71
Liquidity
0
Efficiency
46
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Piketon, OH · Charter 63532
NCUA · 18 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.89% | 0.92% | 0.97% | 0.76% | 0.85% | -4 bps | |
| Return on Equity | 10.89% | 11.17% | 11.79% | 9.36% | 10.25% | -64 bps | |
| Net Interest Margin | 4.27% | 4.29% | 4.21% | 4.18% | 4.23% | -4 bps | |
| Efficiency Ratio | 80.57% | 80.31% | 79.19% | 81.59% | 79.63% | -94 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.83% | 7.27% | 12.86% | 13.13% | 11.35% | -48 bps | |
| Loan Growth (YoY) | 7.64% | 8.88% | 9.84% | 12.18% | 12.04% | +440 bps | |
| Share Growth (YoY) | 13.66% | 6.66% | 12.91% | 13.03% | 11.12% | -254 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.23% | 0.24% | 0.24% | 0.24% | 0.24% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.15% | 8.25% | 8.22% | 8.11% | 8.27% | +12 bps | |
| Net Worth / Assets | 8.15% | 8.25% | 8.22% | 8.11% | 8.27% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.30% | 92.83% | 91.12% | 89.25% | 92.06% | +76 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Piketon, OH · Charter 63532 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 18 branches
Q2 2026
Return on Assets
0.85%
Rank 735 of 1,683
Net Interest Margin
4.23%
Rank 479 of 1,683
Efficiency Ratio
79.63%
Rank 916 of 1,682
Equity / Assets
8.27%
Rank 1,602 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.85% | 0.35% | 0.74% | 1.18% | Beats 56% | 735 / 1,683 | |
| Return on Equity | 10.26% | 2.67% | 5.89% | 8.74% | Beats 84% | 265 / 1,681 | |
| Net Interest Margin | 4.23% | 3.31% | 3.82% | 4.32% | Beats 72% | 479 / 1,683 | |
| Efficiency Ratio | 79.63% | 68.91% | 78.20% | 86.93% | Beats 46% | 916 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.65% | 1.29% | Beats 77% | 386 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.27% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,602 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.27% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,602 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.06% | 52.61% | 69.38% | 83.50% | 90th pctl | 171 / 1,683 | |
| Loans / Assets | 83.51% | 44.71% | 59.18% | 70.72% | 96th pctl | 68 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||