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Credit Union of Ohio

Hilliard, OH · Charter 68561

NCUA · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Columbus, OH area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Columbus, OH area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

56

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

22

Q2 2024Q2 2026peer median (50)

Liquidity

34

Q2 2024Q2 2026peer median

Efficiency

11

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Credit Union of Ohio

Hilliard, OH · Charter 68561

NCUA · 5 branches

Q2 2026

$205.4MAssets
$89.1MLoans
$187.9MShares
$22.0MNet 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 0.19%, up 17 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 1.34% of loans (+52 bps YoY).
  • Capital: net worth / assets of 10.72%, up 4 bps from a year ago.
  • Funding: loans stand at 47.40% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.19%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.55%+29 bps YoY

Efficiency Ratio (YTD, annualized)

91.81%-78 bps YoY

Net Worth / Assets

10.72%+4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.02%0.13%0.18%0.21%0.19%+17 bps
Return on Equity0.20%1.20%1.67%2.01%1.78%+158 bps
Net Interest Margin3.26%3.34%3.33%3.44%3.55%+29 bps
Efficiency Ratio92.59%90.87%90.24%91.76%91.81%-78 bps
Growth
Asset Growth (YoY)0.86%2.92%2.52%1.73%1.10%+23 bps
Loan Growth (YoY)6.57%8.74%5.57%3.41%-0.30%-686 bps
Share Growth (YoY)0.81%3.10%2.78%1.52%1.82%+101 bps
Asset Quality
Delinquent Loans / Loans0.82%1.22%1.02%0.97%1.34%+52 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 Capital10.68%10.78%10.56%10.57%10.72%+4 bps
Net Worth / Assets10.68%10.78%10.56%10.57%10.72%+4 bps
Liquidity & Funding
Loans / Shares48.41%49.29%48.36%47.84%47.40%-101 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Credit Union of Ohio

Hilliard, OH · Charter 68561 · Peer group: credit unions under $1B in assets in the Columbus, OH area (n=18)

NCUA · 5 branches

Q2 2026

$205.4MAssets
$89.1MLoans
$187.9MShares
$22.0MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 56% of credit unions under $1B in assets in the Columbus, OH area (rank 8 of 18).
  • Widest gap: efficiency ratio trails 89% of credit unions under $1B in assets in the Columbus, OH area (rank 17 of 18).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.19%

Rank 16 of 18

Net Interest Margin

3.56%

Rank 10 of 18

Efficiency Ratio

91.81%

Rank 17 of 18

Equity / Assets

10.72%

Rank 8 of 18

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.19%0.59%0.76%0.99%Beats 11%16 / 18
Return on Equity1.78%4.13%7.59%9.05%Beats 11%16 / 18
Net Interest Margin3.56%3.24%3.56%3.79%Beats 44%10 / 18
Efficiency Ratio91.81%72.20%76.10%84.19%Beats 11%17 / 18
Asset Quality
Nonperforming Loans / Loans1.34%0.37%0.66%1.08%Beats 17%16 / 18
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.72%9.66%10.67%11.63%Beats 56%8 / 18
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.72%9.66%10.67%11.63%Beats 56%8 / 18
Liquidity & Funding
Loans / Deposits47.40%47.40%66.89%76.69%22nd pctl14 / 18
Loans / Assets43.35%43.35%60.60%69.11%22nd pctl14 / 18
Brokered Deposits / Depositsn/aNot reported for this institution