Cincinnati, OH · Charter 64825
NCUA · 1 branch
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 in the Cincinnati, OH-KY-IN area (n=26). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
88
Asset Quality
73
Profitability
73
Liquidity
0
Efficiency
96
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.
Cincinnati, OH · Charter 64825
NCUA · 1 branch
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 | 1.72% | 1.74% | 1.63% | 1.75% | 1.74% | +1 bps | |
| Return on Equity | 9.54% | 9.49% | 8.79% | 9.27% | 9.18% | -36 bps | |
| Net Interest Margin | 3.89% | 3.90% | 3.95% | 3.91% | 3.89% | 0 bps | |
| Efficiency Ratio | 57.31% | 56.87% | 59.93% | 56.34% | 56.29% | -103 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.21% | 4.39% | 6.26% | 4.81% | 4.45% | +24 bps | |
| Loan Growth (YoY) | 12.24% | 15.07% | 6.49% | 2.10% | -1.02% | -1,326 bps | |
| Share Growth (YoY) | 3.52% | 3.65% | 5.54% | 3.80% | 3.35% | -17 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 0.00% | 0.00% | 0.00% | 0.45% | +36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.58% | 0.62% | 0.62% | 0.62% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.06% | 18.32% | 18.54% | 18.87% | 18.92% | +86 bps | |
| Net Worth / Assets | 18.06% | 18.32% | 18.54% | 18.87% | 18.92% | +86 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.58% | 89.38% | 85.81% | 85.87% | 84.83% | -374 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cincinnati, OH · Charter 64825 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 1 branch
Q2 2026
Return on Assets
1.74%
Rank 2 of 26
Net Interest Margin
3.88%
Rank 15 of 26
Efficiency Ratio
56.67%
Rank 2 of 26
Equity / Assets
18.93%
Rank 3 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.74% | 0.41% | 0.79% | 1.34% | Beats 92% | 2 / 26 | |
| Return on Equity | 9.21% | 3.53% | 6.04% | 8.49% | Beats 85% | 4 / 26 | |
| Net Interest Margin | 3.88% | 3.25% | 4.11% | 4.64% | Beats 42% | 15 / 26 | |
| Efficiency Ratio | 56.67% | 71.52% | 75.99% | 84.12% | Beats 96% | 2 / 26 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.44% | 0.40% | 1.09% | 2.09% | Beats 73% | 8 / 26 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.93% | 10.31% | 12.73% | 15.29% | Beats 88% | 3 / 26 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.93% | 10.31% | 12.73% | 15.29% | Beats 88% | 3 / 26 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.84% | 51.92% | 65.22% | 76.21% | 88th pctl | 3 / 26 | |
| Loans / Assets | 68.75% | 44.32% | 54.77% | 68.75% | 73rd pctl | 7 / 26 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||