Piketon, OH · Charter 63532
NCUA · 18 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 | 0.65% | 0.78% | 0.75% | 0.89% | 0.92% | 0.97% | 0.76% | 0.85% | -4 bps | |
| Return on Equity | 8.31% | 9.50% | 9.27% | 10.89% | 11.17% | 11.79% | 9.36% | 10.25% | -64 bps | |
| Net Interest Margin | 3.66% | 3.83% | 4.26% | 4.27% | 4.29% | 4.21% | 4.18% | 4.23% | -4 bps | |
| Efficiency Ratio | 83.30% | 81.39% | 83.46% | 80.57% | 80.31% | 79.19% | 81.59% | 79.63% | -94 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.28% | 13.76% | 13.61% | 11.83% | 7.27% | 12.86% | 13.13% | 11.35% | -48 bps | |
| Loan Growth (YoY) | 22.31% | 19.18% | 11.73% | 7.64% | 8.88% | 9.84% | 12.18% | 12.04% | +440 bps | |
| Share Growth (YoY) | 19.94% | 14.04% | 14.02% | 13.66% | 6.66% | 12.91% | 13.03% | 11.12% | -254 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.23% | 0.25% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.81% | 8.19% | 8.09% | 8.15% | 8.25% | 8.22% | 8.11% | 8.27% | +12 bps | |
| Net Worth / Assets | 7.81% | 8.19% | 8.09% | 8.15% | 8.25% | 8.22% | 8.11% | 8.27% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.93% | 93.67% | 89.92% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |