Cincinnati, OH · Charter 64825
NCUA · 1 branch
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 | 1.56% | 1.20% | 1.79% | 1.72% | 1.74% | 1.63% | 1.75% | 1.74% | +1 bps | |
| Return on Equity | 8.79% | 6.66% | 9.91% | 9.54% | 9.49% | 8.79% | 9.27% | 9.18% | -36 bps | |
| Net Interest Margin | 3.99% | 4.06% | 3.97% | 3.89% | 3.90% | 3.95% | 3.91% | 3.89% | 0 bps | |
| Efficiency Ratio | 57.37% | 64.29% | 55.80% | 57.31% | 56.87% | 59.93% | 56.34% | 56.29% | -103 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.79% | -1.27% | 0.96% | 4.21% | 4.39% | 6.26% | 4.81% | 4.45% | +24 bps | |
| Loan Growth (YoY) | 10.60% | 10.41% | 11.98% | 12.24% | 15.07% | 6.49% | 2.10% | -1.02% | -1,326 bps | |
| Share Growth (YoY) | -3.47% | -2.96% | -0.35% | 3.52% | 3.65% | 5.54% | 3.80% | 3.35% | -17 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.08% | 0.47% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.39% | 0.58% | 0.57% | 0.59% | 0.58% | 0.62% | 0.62% | 0.62% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.75% | 17.97% | 18.07% | 18.06% | 18.32% | 18.54% | 18.87% | 18.92% | +86 bps | |
| Net Worth / Assets | 17.75% | 17.97% | 18.07% | 18.06% | 18.32% | 18.54% | 18.87% | 18.92% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.50% | 85.04% | 87.31% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |