Cincinnati, OH · Charter 68574
NCUA · 14 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
6
Asset Quality
48
Profitability
11
Liquidity
14
Efficiency
57
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.
Cincinnati, OH · Charter 68574
NCUA · 14 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.14% | 0.22% | 0.26% | 0.37% | 0.35% | +21 bps | |
| Return on Equity | 1.75% | 2.61% | 3.12% | 4.36% | 4.07% | +232 bps | |
| Net Interest Margin | 1.84% | 1.91% | 1.96% | 2.17% | 2.26% | +43 bps | |
| Efficiency Ratio | 77.30% | 75.27% | 73.96% | 71.67% | 69.86% | -743 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.23% | -7.92% | -4.47% | -2.93% | -1.91% | +732 bps | |
| Loan Growth (YoY) | -9.02% | -7.69% | -6.89% | -3.24% | -0.30% | +872 bps | |
| Share Growth (YoY) | -6.60% | -7.43% | -4.33% | -2.88% | -1.78% | +482 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.67% | 0.78% | 0.83% | 0.71% | 0.70% | +3 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.08% | 8.26% | 8.31% | 8.41% | 8.52% | +43 bps | |
| Net Worth / Assets | 8.08% | 8.26% | 8.31% | 8.41% | 8.52% | +43 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.96% | 99.54% | 96.32% | 97.53% | 100.45% | +149 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cincinnati, OH · Charter 68574 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 14 branches
Q2 2026
Return on Assets
0.35%
Rank 381 of 435
Net Interest Margin
2.26%
Rank 418 of 435
Efficiency Ratio
69.86%
Rank 191 of 435
Equity / Assets
8.52%
Rank 407 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.55% | 0.81% | 1.14% | Beats 12% | 381 / 435 | |
| Return on Equity | 4.07% | 5.12% | 7.41% | 9.70% | Beats 18% | 358 / 435 | |
| Net Interest Margin | 2.26% | 3.01% | 3.39% | 3.75% | Beats 4% | 418 / 435 | |
| Efficiency Ratio | 69.86% | 65.25% | 71.39% | 77.86% | Beats 57% | 191 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.70% | 0.45% | 0.69% | 1.05% | Beats 48% | 227 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.52% | 9.81% | 10.84% | 12.63% | Beats 6% | 407 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.52% | 9.81% | 10.84% | 12.63% | Beats 6% | 407 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 100.45% | 78.33% | 88.38% | 95.61% | 87th pctl | 56 / 435 | |
| Loans / Assets | 83.49% | 67.69% | 74.58% | 80.80% | 87th pctl | 57 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||