Dayton, OH · Charter 96691
NCUA · 2 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 | 0.09% | 0.25% | -0.23% | -0.13% | -0.33% | -1.13% | 1.14% | 0.47% | +60 bps | |
| Return on Equity | 0.59% | 1.56% | -1.39% | -0.76% | -1.82% | -6.35% | 6.22% | 2.54% | +330 bps | |
| Net Interest Margin | 3.43% | 3.41% | 3.35% | 3.46% | 3.47% | 3.43% | 4.51% | 4.22% | +76 bps | |
| Efficiency Ratio | 97.42% | 93.13% | 106.61% | 103.75% | 109.02% | 110.86% | 75.49% | 89.25% | -1,450 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.36% | -2.26% | -6.26% | -10.71% | -11.28% | -11.70% | -9.42% | -5.13% | +558 bps | |
| Loan Growth (YoY) | 25.99% | 0.11% | 12.01% | -6.12% | -5.35% | -8.26% | -23.22% | -21.58% | -1,545 bps | |
| Share Growth (YoY) | -5.82% | -3.22% | -7.86% | -13.20% | -13.53% | -13.75% | -11.42% | -6.38% | +682 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.62% | 0.00% | 0.00% | 0.00% | 2.57% | 22.05% | 16.12% | 24.93% | +2,493 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 | 1.71% | 1.76% | 1.60% | 1.77% | 1.80% | 3.77% | 4.10% | 4.45% | +268 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.96% | 15.95% | 16.52% | 17.54% | 17.95% | 17.75% | 18.27% | 18.47% | +93 bps | |
| Net Worth / Assets | 15.96% | 15.95% | 16.52% | 17.54% | 17.95% | 17.75% | 18.27% | 18.47% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.83% | 45.80% | 52.73% | 51.18% | 52.35% | 48.71% | 45.71% | 42.87% | -831 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |