Maumee, OH · Charter 7064
NCUA · 12 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 | 0.40% | 0.41% | 0.41% | 0.49% | 0.53% | 0.46% | 0.63% | 0.67% | +19 bps | |
| Return on Equity | 3.79% | 3.97% | 3.90% | 4.68% | 5.00% | 4.41% | 5.87% | 6.21% | +153 bps | |
| Net Interest Margin | 2.90% | 2.89% | 3.06% | 3.09% | 3.15% | 3.16% | 3.31% | 3.36% | +28 bps | |
| Efficiency Ratio | 86.62% | 86.53% | 86.27% | 84.76% | 83.71% | 85.04% | 83.57% | 82.33% | -243 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.78% | 1.30% | -1.48% | 3.87% | 1.95% | 1.49% | 1.03% | 0.56% | -331 bps | |
| Loan Growth (YoY) | 2.01% | 2.88% | 3.70% | 3.92% | 3.73% | 3.18% | 2.24% | 1.43% | -249 bps | |
| Share Growth (YoY) | -2.57% | 0.22% | 1.64% | 2.68% | 2.93% | 3.01% | 3.23% | 5.38% | +270 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 1.01% | 0.58% | 1.02% | 1.28% | 1.27% | 0.89% | 1.02% | 0 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 | 10.51% | 10.24% | 10.40% | 10.42% | 10.60% | 10.48% | 10.74% | 10.84% | +43 bps | |
| Net Worth / Assets | 10.51% | 10.24% | 10.40% | 10.42% | 10.60% | 10.48% | 10.74% | 10.84% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.33% | 89.61% | 87.84% | 89.51% | 91.03% | 89.75% | 87.00% | 86.15% | -335 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |