Zanesville, OH · Charter 68451
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |