Cincinnati, OH · Charter 7088
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |