Dayton, OH · Charter 64970
NCUA · 9 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 | 1.54% | 1.23% | 0.96% | 0.59% | 0.71% | -83 bps | |
| Return on Equity | 12.97% | 10.13% | 7.91% | 4.89% | 5.73% | -724 bps | |
| Net Interest Margin | 3.78% | 3.84% | 3.84% | 3.64% | 3.71% | -7 bps | |
| Efficiency Ratio | 53.62% | 60.14% | 63.36% | 69.56% | 74.74% | +2,112 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.38% | 0.78% | 1.06% | 1.14% | 0.15% | -123 bps | |
| Loan Growth (YoY) | -3.15% | -1.97% | -3.17% | -3.03% | -0.71% | +244 bps | |
| Share Growth (YoY) | -0.71% | -0.76% | -0.96% | 0.33% | -0.70% | +1 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.12% | 2.01% | 1.69% | 1.13% | 1.53% | -58 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 | 11.90% | 12.18% | 12.14% | 12.09% | 12.42% | +52 bps | |
| Net Worth / Assets | 11.90% | 12.18% | 12.14% | 12.09% | 12.42% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.98% | 58.74% | 57.68% | 55.70% | 57.98% | -1 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |