Cincinnati, OH · Charter 95802
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 in the Cincinnati, OH-KY-IN area (n=26). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
35
Asset Quality
15
Profitability
33
Liquidity
61
Efficiency
35
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.
Cincinnati, OH · Charter 95802
NCUA · 4 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | -0.17% | -0.21% | -0.13% | -0.21% | -0.15% | 0.04% | 0.44% | +57 bps | |
| Return on Equity | 0.88% | -1.47% | -1.91% | -1.17% | -1.88% | -1.34% | 0.39% | 3.93% | +510 bps | |
| Net Interest Margin | 3.94% | 3.83% | 3.42% | 3.54% | 3.62% | 3.66% | 3.96% | 3.98% | +44 bps | |
| Efficiency Ratio | 84.11% | 85.52% | 90.96% | 92.50% | 93.04% | 91.69% | 87.31% | 80.83% | -1,167 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.69% | -6.47% | -4.56% | -0.98% | 1.39% | 1.76% | -0.66% | -0.43% | +55 bps | |
| Loan Growth (YoY) | -5.08% | -7.67% | -7.51% | -9.05% | -8.46% | -1.55% | -1.06% | -1.21% | +784 bps | |
| Share Growth (YoY) | -8.90% | -6.44% | -4.06% | 0.20% | 1.75% | 1.92% | -0.70% | -0.48% | -68 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.57% | 1.02% | 2.30% | 1.81% | 1.71% | 1.14% | 1.43% | 2.34% | +54 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.64% | 11.35% | 10.99% | 11.06% | 11.06% | 10.98% | 10.96% | 11.22% | +16 bps | |
| Net Worth / Assets | 11.64% | 11.35% | 10.99% | 11.06% | 11.06% | 10.98% | 10.96% | 11.22% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.95% | 59.35% | 55.76% | 55.96% | 55.73% | 57.33% | 55.56% | 55.55% | -41 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cincinnati, OH · Charter 95802 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 4 branches
Q2 2026
Return on Assets
0.44%
Rank 19 of 26
Net Interest Margin
3.98%
Rank 14 of 26
Efficiency Ratio
80.83%
Rank 18 of 26
Equity / Assets
11.22%
Rank 17 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.44% | 0.41% | 0.79% | 1.34% | Beats 27% | 19 / 26 | ||
| Return on Equity | 3.92% | 3.53% | 6.04% | 8.49% | Beats 27% | 19 / 26 | ||
| Net Interest Margin | 3.98% | 3.25% | 4.11% | 4.64% | Beats 46% | 14 / 26 | ||
| Efficiency Ratio | 80.83% | 71.52% | 75.99% | 84.12% | Beats 35% | 18 / 26 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.34% | 0.40% | 1.09% | 2.09% | Beats 15% | 23 / 26 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.22% | 10.31% | 12.73% | 15.29% | Beats 35% | 17 / 26 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.22% | 10.31% | 12.73% | 15.29% | Beats 35% | 17 / 26 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.55% | 51.92% | 65.22% | 76.21% | 35th pctl | 17 / 26 | ||
| Loans / Assets | 49.32% | 44.32% | 54.77% | 68.75% | 38th pctl | 16 / 26 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||