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 | |