Cambridge, OH · Charter 96674
NCUA · 4 branches
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 | 1.46% | 1.20% | 0.58% | 0.62% | 0.74% | 0.74% | 1.20% | 1.49% | +87 bps | |
| Return on Equity | 11.66% | 9.77% | 4.93% | 5.32% | 6.37% | 6.37% | 10.24% | 12.32% | +699 bps | |
| Net Interest Margin | 3.78% | 3.71% | 3.71% | 3.79% | 3.81% | 3.82% | 3.92% | 4.03% | +24 bps | |
| Efficiency Ratio | 68.09% | 69.19% | 75.00% | 73.03% | 70.46% | 71.43% | 68.35% | 65.80% | -723 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.59% | 14.40% | 16.67% | 15.59% | 13.98% | 11.79% | 7.11% | 6.01% | -958 bps | |
| Loan Growth (YoY) | 0.10% | -0.16% | -0.86% | -1.11% | -0.39% | -1.03% | -1.34% | -3.05% | -194 bps | |
| Share Growth (YoY) | 21.73% | 19.60% | 18.43% | 17.37% | 15.20% | 12.53% | 6.86% | 5.26% | -1,211 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.95% | 0.88% | 1.03% | 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 | 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 | 12.52% | 12.29% | 11.70% | 11.64% | 11.56% | 11.65% | 11.73% | 12.08% | +44 bps | |
| Net Worth / Assets | 12.52% | 12.29% | 11.70% | 11.64% | 11.56% | 11.65% | 11.73% | 12.08% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.03% | 72.93% | 67.37% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |