Mansfield, OH · Charter 96719
NCUA · 1 branch
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 | 0.60% | 0.51% | 0.68% | 0.92% | 0.76% | 0.65% | 0.53% | 0.59% | -33 bps | |
| Return on Equity | 6.37% | 5.43% | 7.55% | 9.83% | 8.47% | 7.30% | 5.83% | 6.46% | -337 bps | |
| Net Interest Margin | 4.54% | 4.62% | 4.40% | 4.58% | 4.43% | 4.43% | 4.38% | 4.52% | -6 bps | |
| Efficiency Ratio | 83.14% | 82.35% | 82.92% | 80.43% | 79.94% | 80.39% | 89.24% | 86.50% | +607 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.03% | 3.51% | 7.03% | 5.35% | 12.09% | 12.79% | 6.48% | 7.42% | +207 bps | |
| Loan Growth (YoY) | 3.31% | -0.85% | -4.79% | -2.70% | -7.23% | -7.72% | -3.79% | -1.85% | +84 bps | |
| Share Growth (YoY) | 2.64% | 3.34% | 7.11% | 4.98% | 12.58% | 13.24% | 6.37% | 7.61% | +263 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.93% | 0.16% | 0.12% | 0.38% | 0.14% | 0.13% | 0.12% | 0 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 | 9.45% | 9.41% | 8.99% | 9.37% | 9.01% | 8.95% | 9.01% | 9.19% | -18 bps | |
| Net Worth / Assets | 9.45% | 9.41% | 8.99% | 9.37% | 9.01% | 8.95% | 9.01% | 9.19% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.45% | 79.20% | 71.84% | 73.33% | 67.11% | 64.54% | 64.97% | 66.88% | -645 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |