Kettering, OH · Charter 66835
NCUA · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.44% | 1.36% | 1.64% | 1.61% | 1.55% | 1.58% | 2.20% | 1.71% | +10 bps | |
| Return on Equity | 10.87% | 10.08% | 12.24% | 11.85% | 11.19% | 11.33% | 15.18% | 11.74% | -11 bps | |
| Net Interest Margin | 2.94% | 3.05% | 3.21% | 3.31% | 3.40% | 3.44% | 3.38% | 3.39% | +8 bps | |
| Efficiency Ratio | 57.32% | 59.12% | 56.18% | 55.25% | 56.41% | 56.02% | 50.62% | 53.30% | -195 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.60% | 3.62% | 2.58% | 5.91% | 5.68% | 8.71% | 4.57% | 4.51% | -140 bps | |
| Loan Growth (YoY) | 4.65% | 7.31% | 9.70% | 10.99% | 8.12% | 6.54% | -0.31% | -0.75% | -1,174 bps | |
| Share Growth (YoY) | 5.35% | 5.70% | 6.01% | 8.00% | 8.00% | 7.55% | 4.97% | 4.30% | -370 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.84% | 0.92% | 0.73% | 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 | 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 | 13.20% | 13.53% | 13.39% | 13.55% | 13.86% | 13.98% | 14.50% | 14.56% | +101 bps | |
| Net Worth / Assets | 13.20% | 13.53% | 13.39% | 13.55% | 13.86% | 13.98% | 14.50% | 14.56% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.23% | 98.87% | 99.41% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |