Dayton, OH · Charter 66840
NCUA · 5 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.53% | 1.61% | 1.06% | 1.02% | 0.61% | 1.10% | 0.71% | -35 bps | |
| Return on Equity | 4.70% | 4.42% | 13.55% | 8.90% | 8.40% | 5.15% | 9.22% | 5.89% | -301 bps | |
| Net Interest Margin | 2.91% | 3.02% | 3.06% | 3.22% | 3.35% | 3.38% | 3.38% | 3.45% | +23 bps | |
| Efficiency Ratio | 82.18% | 82.17% | 66.80% | 71.85% | 72.78% | 74.84% | 72.30% | 78.95% | +710 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.69% | 1.41% | 6.81% | 7.27% | 6.30% | 7.16% | 2.86% | 1.56% | -571 bps | |
| Loan Growth (YoY) | 6.54% | 8.79% | 11.76% | 9.68% | 4.05% | -0.27% | -1.47% | -0.75% | -1,043 bps | |
| Share Growth (YoY) | 2.30% | 2.48% | 6.33% | 7.16% | 6.28% | 6.60% | 2.74% | 1.43% | -573 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.73% | 1.09% | 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 | 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 | 12.07% | 12.06% | 11.85% | 11.90% | 12.18% | 11.82% | 11.96% | 12.11% | +21 bps | |
| Net Worth / Assets | 12.07% | 12.06% | 11.85% | 11.90% | 12.18% | 11.82% | 11.96% | 12.11% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.45% | 71.09% | 67.59% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |