PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Northwestern

Bryan, OH · Charter 6949

NCUA · 1 branch

Q2 2026

$16.1MAssets
$5.1MLoans
$14.6MShares
$1.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.12%, down 53 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.35% of loans (+19 bps YoY).
  • Capital: net worth / assets of 8.99%, up 81 bps from a year ago.
  • Funding: loans stand at 34.97% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.12%-53 bps YoY

Net Interest Margin (YTD, annualized)

3.38%+52 bps YoY

Efficiency Ratio (YTD, annualized)

96.85%+1,621 bps YoY

Net Worth / Assets

8.99%+81 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.73%0.64%0.10%0.12%-53 bps
Return on Equity8.02%8.31%7.28%1.14%1.37%-665 bps
Net Interest Margin2.86%3.10%3.21%3.23%3.38%+52 bps
Efficiency Ratio80.64%80.12%82.90%97.38%96.85%+1,621 bps
Growth
Asset Growth (YoY)11.37%4.28%0.77%1.05%-5.13%-1,649 bps
Loan Growth (YoY)-6.91%-6.38%3.40%1.64%-0.37%+654 bps
Share Growth (YoY)10.89%3.98%0.10%0.67%-5.93%-1,682 bps
Asset Quality
Delinquent Loans / Loans0.16%0.19%0.39%0.38%0.35%+19 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 Capital8.18%8.72%8.80%8.61%8.99%+81 bps
Net Worth / Assets8.18%8.72%8.80%8.61%8.99%+81 bps
Liquidity & Funding
Loans / Shares33.02%35.38%37.55%34.22%34.97%+195 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps