Defiance, OH · Charter 9522
NCUA · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
4
Asset Quality
31
Profitability
70
Liquidity
67
Efficiency
53
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Defiance, OH · Charter 9522
NCUA · 4 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 | 0.53% | 0.72% | 0.74% | 1.04% | 1.05% | +52 bps | |
| Return on Equity | 6.83% | 9.02% | 9.16% | 12.81% | 12.85% | +602 bps | |
| Net Interest Margin | 3.57% | 3.71% | 3.72% | 3.85% | 3.81% | +24 bps | |
| Efficiency Ratio | 85.63% | 82.44% | 81.95% | 76.96% | 77.12% | -851 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.24% | 2.38% | 3.80% | 2.61% | 7.09% | +184 bps | |
| Loan Growth (YoY) | 4.08% | 2.17% | 2.71% | 2.53% | 6.36% | +227 bps | |
| Share Growth (YoY) | 4.79% | 1.76% | 2.71% | 1.40% | 6.35% | +156 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.60% | 0.80% | 0.51% | 0.60% | 1.05% | +45 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 | 7.70% | 8.02% | 8.06% | 8.15% | 8.17% | +47 bps | |
| Net Worth / Assets | 7.70% | 8.02% | 8.06% | 8.15% | 8.17% | +47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.90% | 77.70% | 75.83% | 75.75% | 76.91% | 0 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Defiance, OH · Charter 9522 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
1.05%
Rank 549 of 1,683
Net Interest Margin
3.81%
Rank 850 of 1,683
Efficiency Ratio
77.12%
Rank 784 of 1,682
Equity / Assets
8.17%
Rank 1,611 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.05% | 0.35% | 0.74% | 1.18% | Beats 67% | 549 / 1,683 | |
| Return on Equity | 12.85% | 2.67% | 5.89% | 8.74% | Beats 94% | 96 / 1,681 | |
| Net Interest Margin | 3.81% | 3.31% | 3.82% | 4.32% | Beats 49% | 850 / 1,683 | |
| Efficiency Ratio | 77.12% | 68.91% | 78.20% | 86.93% | Beats 53% | 784 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.05% | 0.26% | 0.65% | 1.29% | Beats 31% | 1,156 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.17% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,611 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.17% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,611 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.91% | 52.61% | 69.38% | 83.50% | 64th pctl | 613 / 1,683 | |
| Loans / Assets | 70.95% | 44.71% | 59.18% | 70.72% | 76th pctl | 410 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||