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Gorman-Rupp & Associates

Mansfield, OH · Charter 96719

NCUA · 1 branch

Q2 2026

$16.7MAssets
$10.1MLoans
$15.1MShares
$1.5MNet 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 0.59%, down 33 bps year over year; NIM at 4.52%.
  • Asset quality: problem loans at 0.12% of loans (0 bps YoY).
  • Capital: net worth / assets of 9.19%, down 18 bps from a year ago.
  • Funding: loans stand at 66.88% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.59%-33 bps YoY

Net Interest Margin (quarter, annualized)

4.52%-6 bps YoY

Efficiency Ratio (quarter, annualized)

86.50%+607 bps YoY

Net Worth / Assets

9.19%-18 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.76%0.65%0.53%0.59%-33 bps
Return on Equity9.83%8.47%7.30%5.83%6.46%-337 bps
Net Interest Margin4.58%4.43%4.43%4.38%4.52%-6 bps
Efficiency Ratio80.43%79.94%80.39%89.24%86.50%+607 bps
Growth
Asset Growth (YoY)5.35%12.09%12.79%6.48%7.42%+207 bps
Loan Growth (YoY)-2.70%-7.23%-7.72%-3.79%-1.85%+84 bps
Share Growth (YoY)4.98%12.58%13.24%6.37%7.61%+263 bps
Asset Quality
Delinquent Loans / Loans0.12%0.38%0.14%0.13%0.12%0 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 Capital9.37%9.01%8.95%9.01%9.19%-18 bps
Net Worth / Assets9.37%9.01%8.95%9.01%9.19%-18 bps
Liquidity & Funding
Loans / Shares73.33%67.11%64.54%64.97%66.88%-645 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps