Zanesville, OH · Charter 68451
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
64
Asset Quality
19
Profitability
86
Liquidity
67
Efficiency
77
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.
Zanesville, OH · Charter 68451
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 | 1.58% | 1.62% | 1.60% | 1.57% | 1.39% | 0.97% | 1.43% | 1.54% | -3 bps | |
| Return on Equity | 12.15% | 11.61% | 11.47% | 11.03% | 9.69% | 6.80% | 10.28% | 10.71% | -33 bps | |
| Net Interest Margin | 4.53% | 4.70% | 4.62% | 4.73% | 4.84% | 4.88% | 4.67% | 4.72% | -1 bps | |
| Efficiency Ratio | 68.04% | 67.00% | 66.22% | 66.64% | 70.35% | 68.11% | 68.10% | 67.99% | +135 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.72% | 5.49% | 4.85% | 3.45% | 0.09% | 4.18% | 6.66% | 6.13% | +268 bps | |
| Loan Growth (YoY) | -7.36% | -10.14% | -7.82% | -7.03% | -3.59% | -1.26% | -3.50% | -2.53% | +451 bps | |
| Share Growth (YoY) | 6.81% | 4.42% | 3.75% | 2.14% | -1.67% | 3.60% | 6.54% | 5.82% | +368 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.87% | 1.05% | 1.62% | 1.76% | 1.79% | 0.89% | 1.09% | 1.61% | -15 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 | 13.01% | 13.91% | 13.95% | 14.25% | 14.37% | 14.28% | 13.96% | 14.41% | +16 bps | |
| Net Worth / Assets | 13.01% | 13.91% | 13.95% | 14.25% | 14.37% | 14.28% | 13.96% | 14.41% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.72% | 67.71% | 64.29% | 64.42% | 64.44% | 64.53% | 58.23% | 59.34% | -508 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Zanesville, OH · Charter 68451 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.54%
Rank 228 of 1,683
Net Interest Margin
4.72%
Rank 245 of 1,683
Efficiency Ratio
67.93%
Rank 393 of 1,682
Equity / Assets
14.41%
Rank 609 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.54% | 0.35% | 0.74% | 1.18% | Beats 86% | 228 / 1,683 | ||
| Return on Equity | 10.71% | 2.67% | 5.89% | 8.74% | Beats 87% | 224 / 1,681 | ||
| Net Interest Margin | 4.72% | 3.31% | 3.82% | 4.32% | Beats 85% | 245 / 1,683 | ||
| Efficiency Ratio | 67.93% | 68.91% | 78.20% | 86.93% | Beats 77% | 393 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.61% | 0.26% | 0.65% | 1.29% | Beats 19% | 1,371 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.41% | 10.44% | 12.89% | 16.53% | Beats 64% | 609 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.41% | 10.44% | 12.89% | 16.53% | Beats 64% | 609 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.34% | 52.61% | 69.38% | 83.50% | 34th pctl | 1,116 / 1,683 | ||
| Loans / Assets | 50.57% | 44.71% | 59.18% | 70.72% | 34th pctl | 1,103 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||