Harrison, OH · Charter 65205
NCUA · 2 branches
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
23
Asset Quality
19
Profitability
10
Liquidity
43
Efficiency
46
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.
Harrison, OH · Charter 65205
NCUA · 2 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 | 0.16% | 0.08% | -0.64% | 0.07% | 0.16% | 0.13% | 0.20% | 0.23% | +16 bps | |
| Return on Equity | 1.44% | 0.72% | -5.98% | 0.63% | 1.52% | 1.18% | 1.86% | 2.26% | +162 bps | |
| Net Interest Margin | 1.71% | 1.73% | 1.62% | 1.74% | 1.80% | 1.84% | 2.12% | 2.15% | +41 bps | |
| Efficiency Ratio | 85.51% | 88.67% | 97.14% | 92.75% | 86.03% | 87.71% | 82.77% | 79.45% | -1,330 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.56% | -3.09% | -0.39% | -0.41% | 3.27% | 2.80% | 2.53% | 7.48% | +789 bps | |
| Loan Growth (YoY) | 0.27% | -4.05% | -5.64% | -7.05% | -1.08% | -0.93% | 1.80% | -0.63% | +643 bps | |
| Share Growth (YoY) | 0.39% | -3.56% | -0.43% | -0.44% | 3.55% | 2.60% | 2.59% | 8.23% | +867 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.89% | 1.10% | 2.49% | 1.57% | 1.23% | 0.86% | 2.30% | -19 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 | 10.97% | 11.12% | 10.73% | 10.86% | 10.71% | 10.95% | 10.62% | 10.31% | -55 bps | |
| Net Worth / Assets | 10.97% | 11.12% | 10.73% | 10.86% | 10.71% | 10.95% | 10.62% | 10.31% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.24% | 59.56% | 56.00% | 56.55% | 56.59% | 57.50% | 55.57% | 51.92% | -463 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Harrison, OH · Charter 65205 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 2 branches
Q2 2026
Return on Assets
0.23%
Rank 22 of 26
Net Interest Margin
2.15%
Rank 26 of 26
Efficiency Ratio
79.30%
Rank 15 of 26
Equity / Assets
10.31%
Rank 20 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.23% | 0.41% | 0.79% | 1.34% | Beats 15% | 22 / 26 | ||
| Return on Equity | 2.24% | 3.53% | 6.04% | 8.49% | Beats 15% | 22 / 26 | ||
| Net Interest Margin | 2.15% | 3.25% | 4.11% | 4.64% | Beats 0% | 26 / 26 | ||
| Efficiency Ratio | 79.30% | 71.52% | 75.99% | 84.12% | Beats 46% | 15 / 26 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.30% | 0.40% | 1.09% | 2.09% | Beats 19% | 22 / 26 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.31% | 10.31% | 12.73% | 15.29% | Beats 23% | 20 / 26 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.31% | 10.31% | 12.73% | 15.29% | Beats 23% | 20 / 26 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.92% | 51.92% | 65.22% | 76.21% | 23rd pctl | 20 / 26 | ||
| Loans / Assets | 46.32% | 44.32% | 54.77% | 68.75% | 27th pctl | 19 / 26 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||