Cambridge, OH · Charter 96674
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
42
Asset Quality
32
Profitability
80
Liquidity
75
Efficiency
81
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.
Cambridge, OH · Charter 96674
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.62% | 0.74% | 0.74% | 1.20% | 1.49% | +87 bps | |
| Return on Equity | 5.32% | 6.37% | 6.37% | 10.24% | 12.32% | +699 bps | |
| Net Interest Margin | 3.79% | 3.81% | 3.82% | 3.92% | 4.03% | +24 bps | |
| Efficiency Ratio | 73.03% | 70.46% | 71.43% | 68.35% | 65.80% | -723 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.59% | 13.98% | 11.79% | 7.11% | 6.01% | -958 bps | |
| Loan Growth (YoY) | -1.11% | -0.39% | -1.03% | -1.34% | -3.05% | -194 bps | |
| Share Growth (YoY) | 17.37% | 15.20% | 12.53% | 6.86% | 5.26% | -1,211 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.23% | 1.10% | 1.15% | 1.01% | 1.03% | -20 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.64% | 11.56% | 11.65% | 11.73% | 12.08% | +44 bps | |
| Net Worth / Assets | 11.64% | 11.56% | 11.65% | 11.73% | 12.08% | +44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.17% | 64.88% | 64.15% | 62.20% | 61.86% | -531 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cambridge, OH · Charter 96674 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
1.49%
Rank 252 of 1,683
Net Interest Margin
4.03%
Rank 650 of 1,683
Efficiency Ratio
65.84%
Rank 323 of 1,682
Equity / Assets
12.08%
Rank 984 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.49% | 0.35% | 0.74% | 1.18% | Beats 85% | 252 / 1,683 | |
| Return on Equity | 12.32% | 2.67% | 5.89% | 8.74% | Beats 93% | 120 / 1,681 | |
| Net Interest Margin | 4.03% | 3.31% | 3.82% | 4.32% | Beats 61% | 650 / 1,683 | |
| Efficiency Ratio | 65.84% | 68.91% | 78.20% | 86.93% | Beats 81% | 323 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.03% | 0.26% | 0.65% | 1.29% | Beats 32% | 1,146 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.08% | 10.44% | 12.89% | 16.53% | Beats 42% | 984 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.08% | 10.44% | 12.89% | 16.53% | Beats 42% | 984 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.86% | 52.61% | 69.38% | 83.50% | 37th pctl | 1,055 / 1,683 | |
| Loans / Assets | 53.82% | 44.71% | 59.18% | 70.72% | 40th pctl | 1,003 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||