PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ohio Educational

Cleveland, OH · Charter 95107

NCUA · 5 branches

Q2 2026

$156.5MAssets
$107.9MLoans
$140.9MShares
$13.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.49%, up 15 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 0.18% of loans (+8 bps YoY).
  • Capital: net worth / assets of 8.36%, up 43 bps from a year ago.
  • Funding: loans stand at 76.58% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.49%+15 bps YoY

Net Interest Margin (YTD, annualized)

4.33%+24 bps YoY

Efficiency Ratio (YTD, annualized)

90.78%+50 bps YoY

Net Worth / Assets

8.36%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.70%0.28%0.35%0.45%0.52%0.30%0.49%+15 bps
Return on Equity8.89%8.66%3.54%4.36%5.50%6.34%3.69%5.87%+151 bps
Net Interest Margin4.00%4.05%4.01%4.09%4.19%4.22%4.21%4.33%+24 bps
Efficiency Ratio85.86%86.28%92.22%90.29%88.68%87.87%94.07%90.78%+50 bps
Growth
Asset Growth (YoY)-3.80%-1.40%1.98%2.67%4.35%5.17%3.91%1.51%-116 bps
Loan Growth (YoY)-2.59%1.69%8.18%10.52%12.47%8.52%3.49%1.21%-931 bps
Share Growth (YoY)-4.96%-1.98%1.55%3.35%4.46%4.96%3.73%1.17%-217 bps
Asset Quality
Delinquent Loans / Loans0.30%0.32%0.18%0.10%0.11%0.13%0.09%0.18%+8 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 Capital7.99%8.13%7.92%7.93%8.11%8.21%8.10%8.36%+43 bps
Net Worth / Assets7.99%8.13%7.92%7.93%8.11%8.21%8.10%8.36%+43 bps
Liquidity & Funding
Loans / Shares74.64%75.80%74.77%76.55%80.36%78.38%74.59%76.58%+3 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps