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Christian Family

North Canton, OH · Charter 68746

NCUA · 4 branches

Q2 2026

$93.2MAssets
$36.7MLoans
$82.4MShares
$12.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.33%, down 7 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 0.38% of loans (+16 bps YoY).
  • Capital: net worth / assets of 13.47%, down 105 bps from a year ago.
  • Funding: loans stand at 44.56% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.33%-7 bps YoY

Net Interest Margin (quarter, annualized)

2.91%+66 bps YoY

Efficiency Ratio (quarter, annualized)

85.99%-199 bps YoY

Net Worth / Assets

13.47%-105 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%0.28%0.19%0.67%0.33%-7 bps
Return on Equity2.76%1.91%1.37%5.13%2.45%-31 bps
Net Interest Margin2.25%2.33%2.32%2.84%2.91%+66 bps
Efficiency Ratio87.98%91.36%93.71%82.65%85.99%-199 bps
Growth
Asset Growth (YoY)n/an/an/an/a18.46%n/an/a
Loan Growth (YoY)n/an/an/an/a9.48%n/an/a
Share Growth (YoY)n/an/an/an/a20.09%n/an/a
Asset Quality
Delinquent Loans / Loans0.22%0.11%0.10%0.21%0.38%+16 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 Capital14.52%14.66%14.10%13.11%13.47%-105 bps
Net Worth / Assets14.52%14.66%14.10%13.11%13.47%-105 bps
Liquidity & Funding
Loans / Shares48.88%46.84%43.93%44.15%44.56%-432 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps