Kettering, OH · Charter 66835
NCUA · 5 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
65
Asset Quality
35
Profitability
70
Liquidity
0
Efficiency
95
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.
Kettering, OH · Charter 66835
NCUA · 5 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 | 1.61% | 1.55% | 1.58% | 2.20% | 1.71% | +10 bps | |
| Return on Equity | 11.85% | 11.19% | 11.33% | 15.18% | 11.74% | -11 bps | |
| Net Interest Margin | 3.31% | 3.40% | 3.44% | 3.38% | 3.39% | +8 bps | |
| Efficiency Ratio | 55.25% | 56.41% | 56.02% | 50.62% | 53.30% | -195 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.91% | 5.68% | 8.71% | 4.57% | 4.51% | -140 bps | |
| Loan Growth (YoY) | 10.99% | 8.12% | 6.54% | -0.31% | -0.75% | -1,174 bps | |
| Share Growth (YoY) | 8.00% | 8.00% | 7.55% | 4.97% | 4.30% | -370 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.76% | 0.77% | 0.99% | 0.86% | 0.96% | +20 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 | 13.55% | 13.86% | 13.98% | 14.50% | 14.56% | +101 bps | |
| Net Worth / Assets | 13.55% | 13.86% | 13.98% | 14.50% | 14.56% | +101 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.32% | 100.34% | 97.94% | 94.41% | 94.51% | -481 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kettering, OH · Charter 66835 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
1.71%
Rank 164 of 1,683
Net Interest Margin
3.39%
Rank 1,209 of 1,683
Efficiency Ratio
53.30%
Rank 91 of 1,682
Equity / Assets
14.56%
Rank 594 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.71% | 0.35% | 0.74% | 1.18% | Beats 90% | 164 / 1,683 | |
| Return on Equity | 11.74% | 2.67% | 5.89% | 8.74% | Beats 91% | 157 / 1,681 | |
| Net Interest Margin | 3.39% | 3.31% | 3.82% | 4.32% | Beats 28% | 1,209 / 1,683 | |
| Efficiency Ratio | 53.30% | 68.91% | 78.20% | 86.93% | Beats 95% | 91 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.96% | 0.26% | 0.65% | 1.29% | Beats 35% | 1,101 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.56% | 10.44% | 12.89% | 16.53% | Beats 65% | 594 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.56% | 10.44% | 12.89% | 16.53% | Beats 65% | 594 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.51% | 52.61% | 69.38% | 83.50% | 93rd pctl | 121 / 1,683 | |
| Loans / Assets | 77.79% | 44.71% | 59.18% | 70.72% | 88th pctl | 195 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||