Southeastern Ohio
Cambridge, OH · Charter 96674 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$65.4MAssets
$35.2MLoans
$56.9MShares
$7.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 93% of credit unions under $1B in assets (rank 120 of 1681).
- Widest gap: nonperforming loans / loans trails 68% of credit unions under $1B in assets (rank 1146 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 | 8-Qtr Trend | 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 |