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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |