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Cincinnati Interagency

Cincinnati, OH · Charter 7088

NCUA · 2 branches

Q2 2026

$30.8MAssets
$12.3MLoans
$24.9MShares
$5.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.96%, up 18 bps year over year; NIM at 4.98%.
  • Asset quality: problem loans at 0.82% of loans (+64 bps YoY).
  • Capital: net worth / assets of 18.24%, up 253 bps from a year ago.
  • Funding: loans stand at 49.47% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.96%+18 bps YoY

Net Interest Margin (YTD, annualized)

4.98%-15 bps YoY

Efficiency Ratio (YTD, annualized)

65.66%+699 bps YoY

Net Worth / Assets

18.24%+253 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.00%0.60%2.31%1.78%1.86%1.96%1.82%1.96%+18 bps
Return on Equity13.19%4.27%15.36%11.31%11.40%11.46%10.35%10.74%-57 bps
Net Interest Margin4.83%4.87%5.04%5.13%5.20%5.23%4.91%4.98%-15 bps
Efficiency Ratio62.69%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 / Loans0.37%0.19%0.21%0.18%0.51%0.80%0.82%0.82%+64 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.16%14.13%15.04%15.72%16.34%17.07%17.58%18.24%+253 bps
Net Worth / Assets15.16%14.13%15.04%15.72%16.34%17.07%17.58%18.24%+253 bps
Liquidity & Funding
Loans / Shares49.28%48.75%49.84%50.81%52.00%51.97%50.29%49.47%-134 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps