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 | |