PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Dynamic

Celina, OH · Charter 6747

NCUA · 1 branch

Q2 2026

$83.4MAssets
$48.0MLoans
$66.8MShares
$16.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.28%, up 25 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.37% of loans (-7 bps YoY).
  • Capital: net worth / assets of 19.80%, down 97 bps from a year ago.
  • Funding: loans stand at 71.86% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.28%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.80%-39 bps YoY

Efficiency Ratio (YTD, annualized)

57.04%-870 bps YoY

Net Worth / Assets

19.80%-97 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.03%2.03%1.98%2.33%2.28%+25 bps
Return on Equity9.78%9.75%10.05%11.79%11.51%+173 bps
Net Interest Margin4.19%4.19%3.89%3.82%3.80%-39 bps
Efficiency Ratio65.75%64.69%62.86%58.01%57.04%-870 bps
Growth
Asset Growth (YoY)6.56%7.26%16.04%13.05%17.68%+1,113 bps
Loan Growth (YoY)2.11%4.65%3.02%4.36%11.44%+934 bps
Share Growth (YoY)5.43%6.35%18.91%12.94%18.83%+1,340 bps
Asset Quality
Delinquent Loans / Loans0.44%0.33%0.32%0.24%0.37%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital20.77%20.79%19.70%19.73%19.80%-97 bps
Net Worth / Assets20.77%20.79%19.70%19.73%19.80%-97 bps
Liquidity & Funding
Loans / Shares76.62%75.97%67.08%67.84%71.86%-476 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps