PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Buckeye State

Akron, OH · Charter 96672

NCUA · 6 branches

Q2 2026

$166.5MAssets
$101.9MLoans
$128.2MShares
$17.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.55%, up 32 bps year over year; NIM at 4.21%.
  • Asset quality: problem loans at 0.47% of loans (-56 bps YoY).
  • Capital: net worth / assets of 10.32%, down 85 bps from a year ago.
  • Funding: loans stand at 79.47% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.55%+32 bps YoY

Net Interest Margin (quarter, annualized)

4.21%-39 bps YoY

Efficiency Ratio (quarter, annualized)

84.01%-68 bps YoY

Net Worth / Assets

10.32%-85 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.40%0.44%0.23%0.31%0.37%0.49%0.55%+32 bps
Return on Equity4.72%3.54%3.95%2.09%2.77%3.31%4.27%5.35%+326 bps
Net Interest Margin4.63%4.59%4.53%4.60%4.67%4.70%4.66%4.21%-39 bps
Efficiency Ratio80.82%80.26%86.09%84.69%83.19%83.70%88.60%84.01%-68 bps
Growth
Asset Growth (YoY)4.20%1.38%2.01%3.33%3.38%3.01%0.33%11.97%+864 bps
Loan Growth (YoY)-4.50%-1.44%0.79%3.31%4.18%3.51%3.20%2.57%-74 bps
Share Growth (YoY)2.44%1.80%2.78%5.12%5.59%5.33%2.33%0.08%-503 bps
Asset Quality
Delinquent Loans / Loans2.06%1.90%1.14%1.04%1.00%0.93%0.64%0.47%-56 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.68%11.40%11.20%11.17%11.34%11.26%11.36%10.32%-85 bps
Net Worth / Assets11.68%11.40%11.20%11.17%11.34%11.26%11.36%10.32%-85 bps
Liquidity & Funding
Loans / Shares79.82%78.49%76.73%77.55%78.76%77.13%77.38%79.47%+193 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps