Day Air
Kettering, OH · Charter 66835 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$908.8MAssets
$706.9MLoans
$748.0MShares
$132.3MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 95% of credit unions under $1B in assets (rank 91 of 1682).
- Widest gap: net interest margin trails 72% of credit unions under $1B in assets (rank 1209 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 |