PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Day Air

Kettering, OH · Charter 66835

NCUA · 5 branches

Q2 2026

$908.8MAssets
$706.9MLoans
$748.0MShares
$132.3MNet Worth

Executive Summary

  • Earnings: ROA of 1.71%, up 10 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.96% of loans (+20 bps YoY).
  • Capital: net worth / assets of 14.56%, up 101 bps from a year ago.
  • Funding: loans stand at 94.51% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.71%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+8 bps YoY

Efficiency Ratio (YTD, annualized)

53.30%-195 bps YoY

Net Worth / Assets

14.56%+101 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.36%1.64%1.61%1.55%1.58%2.20%1.71%+10 bps
Return on Equity10.87%10.08%12.24%11.85%11.19%11.33%15.18%11.74%-11 bps
Net Interest Margin2.94%3.05%3.21%3.31%3.40%3.44%3.38%3.39%+8 bps
Efficiency Ratio57.32%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 / Loans0.84%0.92%0.73%0.76%0.77%0.99%0.86%0.96%+20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.20%13.53%13.39%13.55%13.86%13.98%14.50%14.56%+101 bps
Net Worth / Assets13.20%13.53%13.39%13.55%13.86%13.98%14.50%14.56%+101 bps
Liquidity & Funding
Loans / Shares100.23%98.87%99.41%99.32%100.34%97.94%94.41%94.51%-481 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps