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 | |