Dayton, OH · Charter 66840
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
42
Asset Quality
34
Profitability
43
Liquidity
92
Efficiency
48
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.
Dayton, OH · Charter 66840
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 | 1.06% | 1.02% | 0.61% | 1.10% | 0.71% | -35 bps | |
| Return on Equity | 8.90% | 8.40% | 5.15% | 9.22% | 5.89% | -301 bps | |
| Net Interest Margin | 3.22% | 3.35% | 3.38% | 3.38% | 3.45% | +23 bps | |
| Efficiency Ratio | 71.85% | 72.78% | 74.84% | 72.30% | 78.95% | +710 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.27% | 6.30% | 7.16% | 2.86% | 1.56% | -571 bps | |
| Loan Growth (YoY) | 9.68% | 4.05% | -0.27% | -1.47% | -0.75% | -1,043 bps | |
| Share Growth (YoY) | 7.16% | 6.28% | 6.60% | 2.74% | 1.43% | -573 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.68% | 1.65% | 0.83% | 0.75% | 0.98% | -70 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 | 11.90% | 12.18% | 11.82% | 11.96% | 12.11% | +21 bps | |
| Net Worth / Assets | 11.90% | 12.18% | 11.82% | 11.96% | 12.11% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.24% | 68.97% | 66.52% | 64.82% | 66.78% | -147 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Dayton, OH · Charter 66840 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
0.71%
Rank 864 of 1,683
Net Interest Margin
3.45%
Rank 1,157 of 1,683
Efficiency Ratio
78.95%
Rank 879 of 1,682
Equity / Assets
12.11%
Rank 974 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | 0.35% | 0.74% | 1.18% | Beats 49% | 864 / 1,683 | |
| Return on Equity | 5.88% | 2.67% | 5.89% | 8.74% | Beats 50% | 842 / 1,681 | |
| Net Interest Margin | 3.45% | 3.31% | 3.82% | 4.32% | Beats 31% | 1,157 / 1,683 | |
| Efficiency Ratio | 78.95% | 68.91% | 78.20% | 86.93% | Beats 48% | 879 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.98% | 0.26% | 0.65% | 1.29% | Beats 34% | 1,116 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.11% | 10.44% | 12.89% | 16.53% | Beats 42% | 974 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.11% | 10.44% | 12.89% | 16.53% | Beats 42% | 974 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.78% | 52.61% | 69.38% | 83.50% | 45th pctl | 923 / 1,683 | |
| Loans / Assets | 58.54% | 44.71% | 59.18% | 70.72% | 49th pctl | 865 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||