PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Credit Union of Ohio

Hilliard, OH · Charter 68561

NCUA · 5 branches

Q2 2026

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

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.

Return on Assets (quarter, annualized)

0.19%+17 bps YoY

Net Interest Margin (quarter, annualized)

3.55%+29 bps YoY

Efficiency Ratio (quarter, annualized)

91.81%-78 bps YoY

Net Worth / Assets

10.72%+4 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.13%0.05%-0.77%0.02%0.13%0.18%0.21%0.19%+17 bps
Return on Equity1.16%0.45%-7.40%0.20%1.20%1.67%2.01%1.78%+158 bps
Net Interest Margin3.00%2.97%3.12%3.26%3.34%3.33%3.44%3.55%+29 bps
Efficiency Ratio93.99%94.55%99.68%92.59%90.87%90.24%91.76%91.81%-78 bps
Growth
Asset Growth (YoY)-5.97%-1.77%-0.03%0.86%2.92%2.52%1.73%1.10%+23 bps
Loan Growth (YoY)-0.54%2.25%4.78%6.57%8.74%5.57%3.41%-0.30%-686 bps
Share Growth (YoY)-4.79%-2.01%-0.07%0.81%3.10%2.78%1.52%1.82%+101 bps
Asset Quality
Delinquent Loans / Loans1.60%1.65%1.09%0.82%1.22%1.02%0.97%1.34%+52 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.16%10.76%10.43%10.68%10.78%10.56%10.57%10.72%+4 bps
Net Worth / Assets11.16%10.76%10.43%10.68%10.78%10.56%10.57%10.72%+4 bps
Liquidity & Funding
Loans / Shares46.73%47.09%46.97%48.41%49.29%48.36%47.84%47.40%-101 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps