Lima, OH · Charter 9000
NCUA · 1 branch
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 | 1.08% | 0.92% | 1.20% | 0.26% | -1.10% | -218 bps | |
| Return on Equity | 3.42% | 2.89% | 3.65% | 0.79% | -3.32% | -674 bps | |
| Net Interest Margin | 5.36% | 5.24% | 5.34% | 5.06% | 5.35% | -1 bps | |
| Efficiency Ratio | 81.66% | 84.44% | 84.72% | 95.78% | 89.17% | +752 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -20.27% | -10.78% | -0.60% | -1.75% | -4.31% | +1,596 bps | |
| Loan Growth (YoY) | -11.70% | -13.14% | -12.89% | -9.89% | -8.85% | +285 bps | |
| Share Growth (YoY) | -28.30% | -15.89% | -2.61% | -3.92% | -6.53% | +2,177 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.18% | 2.43% | 5.21% | 2.62% | 0.42% | +24 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.68% | 0.09% | 0.09% | 1.10% | +45 bps | |
| Capital | |||||||
| Risk-Based Capital | 31.59% | 31.76% | 32.88% | 32.57% | 33.12% | +154 bps | |
| Net Worth / Assets | 31.59% | 31.76% | 32.88% | 32.57% | 33.12% | +154 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.81% | 62.79% | 65.05% | 62.29% | 63.20% | -161 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |