Tiffin, OH · Charter 7674
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.48% | 0.63% | 0.68% | 0.26% | 0.58% | +11 bps | |
| Return on Equity | 4.64% | 5.92% | 6.66% | 2.61% | 5.71% | +106 bps | |
| Net Interest Margin | 4.60% | 4.73% | 4.54% | 4.37% | 4.45% | -14 bps | |
| Efficiency Ratio | 67.85% | 66.64% | 66.27% | 70.45% | 66.27% | -158 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.80% | 1.22% | 7.28% | 7.49% | 7.48% | +468 bps | |
| Loan Growth (YoY) | 5.74% | 8.21% | 6.71% | 6.00% | 3.93% | -182 bps | |
| Share Growth (YoY) | 2.66% | 0.34% | 8.83% | 7.50% | 8.57% | +591 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.88% | 1.35% | 1.09% | 1.01% | 1.06% | +18 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.27% | 10.57% | 10.18% | 9.97% | 10.21% | -6 bps | |
| Net Worth / Assets | 10.27% | 10.57% | 10.18% | 9.97% | 10.21% | -6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.72% | 67.83% | 63.64% | 62.02% | 61.95% | -277 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |