Massillon, OH · Charter 96652
NCUA · 1 branch
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 | 0.64% | 0.49% | 0.34% | 0.40% | 0.46% | 0.36% | 0.98% | 0.87% | +47 bps | |
| Return on Equity | 4.97% | 4.07% | 2.95% | 3.42% | 3.98% | 3.10% | 8.01% | 7.52% | +409 bps | |
| Net Interest Margin | 3.79% | 3.52% | 3.32% | 3.44% | 3.41% | 3.45% | 3.80% | 3.56% | +12 bps | |
| Efficiency Ratio | 85.08% | 87.75% | 91.16% | 89.82% | 88.25% | 90.82% | 77.62% | 78.61% | -1,121 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.67% | 0.72% | 11.61% | 10.64% | 15.05% | 6.51% | -0.27% | 7.49% | -315 bps | |
| Loan Growth (YoY) | 14.14% | -6.20% | -10.91% | 4.89% | -1.28% | 5.83% | 7.73% | -3.63% | -852 bps | |
| Share Growth (YoY) | -7.03% | 2.42% | 16.57% | 11.82% | 16.74% | 6.92% | -0.92% | 7.74% | -408 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.18% | 4.76% | 4.31% | 2.67% | 2.25% | 3.77% | 1.72% | 2.24% | -43 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 | 12.82% | 11.95% | 11.62% | 11.80% | 11.53% | 11.58% | 12.18% | 11.57% | -23 bps | |
| Net Worth / Assets | 12.82% | 11.95% | 11.62% | 11.80% | 11.53% | 11.58% | 12.18% | 11.57% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.94% | 75.11% | 69.75% | 78.33% | 72.67% | 74.34% | 75.85% | 70.06% | -827 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |