Code
Dayton, OH · Charter 66840 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$175.7MAssets
$102.9MLoans
$154.0MShares
$21.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 50% of credit unions under $1B in assets (rank 842 of 1681).
- Widest gap: net interest margin trails 69% of credit unions under $1B in assets (rank 1157 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 | 8-Qtr Trend | 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 |