Lima, OH · Charter 68665
NCUA · 27 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
92
Asset Quality
96
Profitability
71
Liquidity
50
Efficiency
93
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.
Lima, OH · Charter 68665
NCUA · 27 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.20% | 1.35% | 1.31% | 1.51% | 1.61% | 1.67% | 1.64% | 1.84% | +33 bps | |
| Return on Equity | 8.88% | 9.16% | 9.03% | 10.22% | 10.76% | 11.14% | 10.98% | 12.12% | +189 bps | |
| Net Interest Margin | 2.28% | 2.51% | 2.77% | 2.83% | 2.86% | 2.84% | 2.99% | 3.01% | +18 bps | |
| Efficiency Ratio | 64.74% | 63.21% | 65.28% | 62.90% | 61.21% | 59.45% | 59.34% | 57.08% | -582 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.44% | 2.84% | 4.54% | 3.40% | 0.98% | 9.77% | 9.22% | 10.59% | +719 bps | |
| Loan Growth (YoY) | 8.76% | 7.93% | 9.33% | 11.11% | 8.86% | 11.60% | 12.27% | 10.25% | -86 bps | |
| Share Growth (YoY) | 8.75% | 9.32% | 9.88% | 8.70% | 7.85% | 8.80% | 8.51% | 9.33% | +63 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.07% | 0.08% | 0.06% | 0.08% | 0.07% | 0.11% | 0.20% | +14 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 | 13.57% | 14.68% | 14.48% | 14.80% | 15.01% | 15.03% | 14.98% | 15.20% | +40 bps | |
| Net Worth / Assets | 13.57% | 14.68% | 14.48% | 14.80% | 15.01% | 15.03% | 14.98% | 15.20% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.84% | 74.78% | 73.75% | 75.87% | 76.55% | 76.71% | 76.31% | 76.50% | +64 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lima, OH · Charter 68665 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 27 branches
Q2 2026
Return on Assets
1.84%
Rank 10 of 435
Net Interest Margin
3.01%
Rank 329 of 435
Efficiency Ratio
57.08%
Rank 33 of 435
Equity / Assets
15.20%
Rank 34 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.84% | 0.55% | 0.81% | 1.14% | Beats 98% | 10 / 435 | ||
| Return on Equity | 12.12% | 5.12% | 7.41% | 9.70% | Beats 91% | 41 / 435 | ||
| Net Interest Margin | 3.01% | 3.01% | 3.39% | 3.75% | Beats 24% | 329 / 435 | ||
| Efficiency Ratio | 57.08% | 65.25% | 71.39% | 77.86% | Beats 93% | 33 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.20% | 0.45% | 0.69% | 1.05% | Beats 96% | 18 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.20% | 9.81% | 10.84% | 12.63% | Beats 92% | 34 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.20% | 9.81% | 10.84% | 12.63% | Beats 92% | 34 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.50% | 78.33% | 88.38% | 95.61% | 22nd pctl | 341 / 435 | ||
| Loans / Assets | 64.22% | 67.69% | 74.58% | 80.80% | 18th pctl | 358 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||