Middletown, OH · Charter 6772
NCUA · 1 branch
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 in the Cincinnati, OH-KY-IN area (n=26). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
4
Profitability
29
Liquidity
35
Efficiency
42
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.
Middletown, OH · Charter 6772
NCUA · 1 branch
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 | -0.01% | -0.41% | 0.35% | -1.35% | -1.82% | -1.17% | -0.86% | 0.02% | +138 bps | |
| Return on Equity | -0.21% | -6.23% | 5.39% | -26.00% | -38.44% | -23.23% | -18.16% | 0.47% | +2,647 bps | |
| Net Interest Margin | 4.32% | 3.91% | 3.97% | 3.90% | 4.10% | 4.30% | 4.43% | 4.50% | +59 bps | |
| Efficiency Ratio | 78.52% | 86.25% | 84.60% | 71.61% | 80.90% | 78.86% | 80.16% | 80.22% | +861 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.69% | 6.18% | 4.02% | 8.38% | 2.24% | 1.92% | -0.35% | -3.59% | -1,197 bps | |
| Loan Growth (YoY) | 9.59% | 3.87% | -0.05% | -6.59% | -9.48% | -8.01% | -7.52% | -6.15% | +45 bps | |
| Share Growth (YoY) | 13.19% | 7.46% | 4.49% | 10.27% | 4.41% | 3.28% | 1.09% | -3.75% | -1,402 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.11% | 6.71% | 4.15% | 4.80% | 4.32% | 3.92% | 2.18% | 6.08% | +128 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 | 6.85% | 6.55% | 6.40% | 5.21% | 4.74% | 5.05% | 4.76% | 5.01% | -20 bps | |
| Net Worth / Assets | 6.85% | 6.55% | 6.40% | 5.21% | 4.74% | 5.05% | 4.76% | 5.01% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.22% | 89.16% | 83.53% | 78.15% | 77.36% | 79.41% | 76.43% | 76.21% | -194 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Middletown, OH · Charter 6772 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 1 branch
Q2 2026
Return on Assets
0.02%
Rank 23 of 26
Net Interest Margin
4.50%
Rank 10 of 26
Efficiency Ratio
80.07%
Rank 16 of 26
Equity / Assets
5.01%
Rank 26 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.02% | 0.41% | 0.79% | 1.34% | Beats 12% | 23 / 26 | ||
| Return on Equity | 0.34% | 3.53% | 6.04% | 8.49% | Beats 12% | 23 / 26 | ||
| Net Interest Margin | 4.50% | 3.25% | 4.11% | 4.64% | Beats 62% | 10 / 26 | ||
| Efficiency Ratio | 80.07% | 71.52% | 75.99% | 84.12% | Beats 42% | 16 / 26 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 6.08% | 0.40% | 1.09% | 2.09% | Beats 4% | 26 / 26 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 5.01% | 10.31% | 12.73% | 15.29% | Beats 0% | 26 / 26 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 5.01% | 10.31% | 12.73% | 15.29% | Beats 0% | 26 / 26 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.21% | 51.92% | 65.22% | 76.21% | 73rd pctl | 7 / 26 | ||
| Loans / Assets | 71.52% | 44.32% | 54.77% | 68.75% | 88th pctl | 3 / 26 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||