Cincinnati, OH · Charter 7088
NCUA · 2 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 under $1B in assets in the Cincinnati, OH-KY-IN area (n=26). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
85
Asset Quality
54
Profitability
90
Liquidity
30
Efficiency
92
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.
Cincinnati, OH · Charter 7088
NCUA · 2 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 | 2.00% | 0.60% | 2.31% | 1.78% | 1.86% | 1.96% | 1.82% | 1.96% | +18 bps | |
| Return on Equity | 13.19% | 4.27% | 15.36% | 11.31% | 11.40% | 11.46% | 10.35% | 10.74% | -57 bps | |
| Net Interest Margin | 4.83% | 4.87% | 5.04% | 5.13% | 5.20% | 5.23% | 4.91% | 4.98% | -15 bps | |
| Efficiency Ratio | 62.69% | 61.40% | 59.26% | 58.68% | 61.50% | 61.90% | 67.50% | 65.66% | +699 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.50% | -1.88% | -4.69% | -4.78% | -4.54% | -6.51% | -4.64% | -2.97% | +181 bps | |
| Loan Growth (YoY) | -1.29% | -0.09% | 0.75% | -3.93% | -0.90% | -4.07% | -6.92% | -8.52% | -460 bps | |
| Share Growth (YoY) | -7.71% | -2.76% | -6.31% | -6.37% | -6.08% | -10.01% | -7.74% | -6.05% | +32 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.19% | 0.21% | 0.18% | 0.51% | 0.80% | 0.82% | 0.82% | +64 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 | 15.16% | 14.13% | 15.04% | 15.72% | 16.34% | 17.07% | 17.58% | 18.24% | +253 bps | |
| Net Worth / Assets | 15.16% | 14.13% | 15.04% | 15.72% | 16.34% | 17.07% | 17.58% | 18.24% | +253 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.28% | 48.75% | 49.84% | 50.81% | 52.00% | 51.97% | 50.29% | 49.47% | -134 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cincinnati, OH · Charter 7088 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 2 branches
Q2 2026
Return on Assets
1.96%
Rank 1 of 26
Net Interest Margin
4.97%
Rank 4 of 26
Efficiency Ratio
65.68%
Rank 3 of 26
Equity / Assets
18.24%
Rank 4 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.96% | 0.41% | 0.79% | 1.34% | Beats 96% | 1 / 26 | ||
| Return on Equity | 10.73% | 3.53% | 6.04% | 8.49% | Beats 88% | 3 / 26 | ||
| Net Interest Margin | 4.97% | 3.25% | 4.11% | 4.64% | Beats 85% | 4 / 26 | ||
| Efficiency Ratio | 65.68% | 71.52% | 75.99% | 84.12% | Beats 92% | 3 / 26 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.82% | 0.40% | 1.09% | 2.09% | Beats 54% | 13 / 26 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.24% | 10.31% | 12.73% | 15.29% | Beats 85% | 4 / 26 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.24% | 10.31% | 12.73% | 15.29% | Beats 85% | 4 / 26 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 49.47% | 51.92% | 65.22% | 76.21% | 15th pctl | 22 / 26 | ||
| Loans / Assets | 39.98% | 44.32% | 54.77% | 68.75% | 15th pctl | 22 / 26 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||