PackageTrendsPeer
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Your Legacy

Tiffin, OH · Charter 7674

NCUA · 2 branches

Q2 2026

$79.1MAssets
$44.9MLoans
$72.4MShares
$8.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.58%, up 11 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 1.06% of loans (+18 bps YoY).
  • Capital: net worth / assets of 10.21%, down 6 bps from a year ago.
  • Funding: loans stand at 61.95% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.58%+11 bps YoY

Net Interest Margin (quarter, annualized)

4.45%-14 bps YoY

Efficiency Ratio (quarter, annualized)

66.27%-158 bps YoY

Net Worth / Assets

10.21%-6 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.75%0.66%0.48%0.63%0.68%0.26%0.58%+11 bps
Return on Equity6.21%7.35%6.48%4.64%5.92%6.66%2.61%5.71%+106 bps
Net Interest Margin4.25%4.37%4.46%4.60%4.73%4.54%4.37%4.45%-14 bps
Efficiency Ratio70.00%69.54%71.99%67.85%66.64%66.27%70.45%66.27%-158 bps
Growth
Asset Growth (YoY)-1.82%0.54%1.85%2.80%1.22%7.28%7.49%7.48%+468 bps
Loan Growth (YoY)-3.08%-0.05%3.01%5.74%8.21%6.71%6.00%3.93%-182 bps
Share Growth (YoY)-2.01%0.02%1.64%2.66%0.34%8.83%7.50%8.57%+591 bps
Asset Quality
Delinquent Loans / Loans0.92%0.97%0.40%0.88%1.35%1.09%1.01%1.06%+18 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 Capital10.03%10.28%10.18%10.27%10.57%10.18%9.97%10.21%-6 bps
Net Worth / Assets10.03%10.28%10.18%10.27%10.57%10.18%9.97%10.21%-6 bps
Liquidity & Funding
Loans / Shares62.90%64.90%62.90%64.72%67.83%63.64%62.02%61.95%-277 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps