PackageTrendsPeer
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Trupartner

Cincinnati, OH · Charter 95802

NCUA · 4 branches

Q2 2026

$162.7MAssets
$80.3MLoans
$144.5MShares
$18.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.44%, up 57 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 2.34% of loans (+54 bps YoY).
  • Capital: net worth / assets of 11.22%, up 16 bps from a year ago.
  • Funding: loans stand at 55.55% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.44%+57 bps YoY

Net Interest Margin (YTD, annualized)

3.98%+44 bps YoY

Efficiency Ratio (YTD, annualized)

80.83%-1,167 bps YoY

Net Worth / Assets

11.22%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.13%-0.21%-0.15%0.04%0.44%+57 bps
Return on Equity-1.17%-1.88%-1.34%0.39%3.93%+510 bps
Net Interest Margin3.54%3.62%3.66%3.96%3.98%+44 bps
Efficiency Ratio92.50%93.04%91.69%87.31%80.83%-1,167 bps
Growth
Asset Growth (YoY)-0.98%1.39%1.76%-0.66%-0.43%+55 bps
Loan Growth (YoY)-9.05%-8.46%-1.55%-1.06%-1.21%+784 bps
Share Growth (YoY)0.20%1.75%1.92%-0.70%-0.48%-68 bps
Asset Quality
Delinquent Loans / Loans1.81%1.71%1.14%1.43%2.34%+54 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.06%11.06%10.98%10.96%11.22%+16 bps
Net Worth / Assets11.06%11.06%10.98%10.96%11.22%+16 bps
Liquidity & Funding
Loans / Shares55.96%55.73%57.33%55.56%55.55%-41 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps