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Greenville, OH · Charter 96711

NCUA · 1 branch

Q2 2026

$38.9MAssets
$19.5MLoans
$31.7MShares
$7.0MNet 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 1.44%, unchanged from a year ago; NIM at 2.96%.
  • Asset quality: problem loans at 0.44% of loans (-1 bps YoY).
  • Capital: net worth / assets of 17.95%, down 48 bps from a year ago.
  • Funding: loans stand at 61.56% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.44%0 bps YoY

Net Interest Margin (quarter, annualized)

2.96%-23 bps YoY

Efficiency Ratio (quarter, annualized)

57.53%-233 bps YoY

Net Worth / Assets

17.95%-48 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.52%1.20%1.37%1.44%0 bps
Return on Equity7.81%8.09%6.51%7.51%8.02%+21 bps
Net Interest Margin3.18%3.20%3.13%2.97%2.96%-23 bps
Efficiency Ratio59.86%57.70%55.59%60.00%57.53%-233 bps
Growth
Asset Growth (YoY)9.42%6.20%5.16%6.76%9.65%+24 bps
Loan Growth (YoY)14.55%8.67%6.42%6.71%-0.99%-1,555 bps
Share Growth (YoY)10.32%6.22%4.80%6.71%10.27%-5 bps
Asset Quality
Delinquent Loans / Loans0.45%0.79%0.00%0.45%0.44%-1 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 Capital18.43%18.81%18.46%18.19%17.95%-48 bps
Net Worth / Assets18.43%18.81%18.46%18.19%17.95%-48 bps
Liquidity & Funding
Loans / Shares68.56%67.39%64.51%62.70%61.56%-700 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps