PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Southeastern Ohio

Cambridge, OH · Charter 96674

NCUA · 4 branches

Q2 2026

$65.4MAssets
$35.2MLoans
$56.9MShares
$7.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.49%, up 87 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 1.03% of loans (-20 bps YoY).
  • Capital: net worth / assets of 12.08%, up 44 bps from a year ago.
  • Funding: loans stand at 61.86% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.49%+87 bps YoY

Net Interest Margin (YTD, annualized)

4.03%+24 bps YoY

Efficiency Ratio (YTD, annualized)

65.80%-723 bps YoY

Net Worth / Assets

12.08%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.74%0.74%1.20%1.49%+87 bps
Return on Equity5.32%6.37%6.37%10.24%12.32%+699 bps
Net Interest Margin3.79%3.81%3.82%3.92%4.03%+24 bps
Efficiency Ratio73.03%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 / Loans1.23%1.10%1.15%1.01%1.03%-20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.64%11.56%11.65%11.73%12.08%+44 bps
Net Worth / Assets11.64%11.56%11.65%11.73%12.08%+44 bps
Liquidity & Funding
Loans / Shares67.17%64.88%64.15%62.20%61.86%-531 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps