PackageTrendsPeer
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Sorg Bay West

Middletown, OH · Charter 6772

NCUA · 1 branch

Q2 2026

$11.6MAssets
$8.3MLoans
$10.9MShares
$583KNet 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 0.02%, up 138 bps year over year; NIM at 4.50%.
  • Asset quality: problem loans at 6.08% of loans (+128 bps YoY).
  • Capital: net worth / assets of 5.01%, down 20 bps from a year ago.
  • Funding: loans stand at 76.21% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.02%+138 bps YoY

Net Interest Margin (quarter, annualized)

4.50%+59 bps YoY

Efficiency Ratio (quarter, annualized)

80.22%+861 bps YoY

Net Worth / Assets

5.01%-20 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.35%-1.82%-1.17%-0.86%0.02%+138 bps
Return on Equity-26.00%-38.44%-23.23%-18.16%0.47%+2,647 bps
Net Interest Margin3.90%4.10%4.30%4.43%4.50%+59 bps
Efficiency Ratio71.61%80.90%78.86%80.16%80.22%+861 bps
Growth
Asset Growth (YoY)8.38%2.24%1.92%-0.35%-3.59%-1,197 bps
Loan Growth (YoY)-6.59%-9.48%-8.01%-7.52%-6.15%+45 bps
Share Growth (YoY)10.27%4.41%3.28%1.09%-3.75%-1,402 bps
Asset Quality
Delinquent Loans / Loans4.80%4.32%3.92%2.18%6.08%+128 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 Capital5.21%4.74%5.05%4.76%5.01%-20 bps
Net Worth / Assets5.21%4.74%5.05%4.76%5.01%-20 bps
Liquidity & Funding
Loans / Shares78.15%77.36%79.41%76.43%76.21%-194 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps